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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (131236 reviews)

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4.74

Based on 131,236 reviews, last reviewed 9th Jun 2026

3702300% increase in 5 star reviews

in the past 90 days

10600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Simple to use PayPal is easy and straightforward to work with Reviewed on: 9th June 2026

Latest lowest rating:

1

card refused abroad i went on holiday to Spain and tried to pay for my apartment with my card and it was declined, it was only £380, it was very embarrassing and so i a... Read more Reviewed on: 9th June 2026

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About this product

PayPal Credit is a reusable digital credit line that can be added to your PayPal wallet and used for eligible online purchases.

Accepted at thousands of online retailers that offer PayPal at checkout, PayPal Credit is a flexible way to pay. Eligible purchases get PayPal’s encryption and 24/7 fraud monitoring, as well as Buyer Protection.

PayPal reviews help you find out what it’s really like to be a customer. If you’ve used PayPal before, you can also leave a review and share your experience.

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PayPal PayPal Credit reviews (131236)

Easy quality service

I have used PayPal Credit for a number of years now and the 0% offers with certain retailers for purchases, also the 0% on purchases over £99 for 4 months is a great offer. 5* Reviewed on: 31st July 2023

Easy, reliable

Easy to use, the app just works and I can see what I owe to keep on top of payments Reviewed on: 31st July 2023

Easy to setup and pay

I like using PayPay Credit as it means that if I want to spread a payment over 4 months, especially if it's a large purchase, I've got the option to do so and I know I don't have to keep checking all the time it's been paid. Reviewed on: 31st July 2023

Pocket wizard

Works great and provide easy to use credit online, convenient application and approval to begin with Reviewed on: 31st July 2023

Amazing

PayPal credit is an easy method to buy anything and be peace of mind for 4 months free of interest, very helpful tool for those who are stressed for the high costs of living. I recommend 100%. Reviewed on: 31st July 2023

PayPal credit

Easy and simle to use. Like having a credit card without the hassle of having to input your details every time Reviewed on: 31st July 2023

Overall very pleased

I have used paypal for a good while now, when I saw an option for credit I applied for it, the application was nice and simple. I use the app to keep up with my balance, the credit information is easily accessible. Payments and repayments are secure and reliable. I have been mainly using PayPal credit for home improvement purposes and am very pleased with the outcome. Would highly recommend Reviewed on: 31st July 2023

Extremely useful

The pay over £99 interest free for 4 months is extremely handy and affordable Reviewed on: 31st July 2023

Reliable and confident in their service

You can feel confidence that you are covered by Palpal’s goods & services. Even when things go awry, their team of professionals are there to assist you. I feel confident when using PayPal credit to borrow money for items in the short turn, always paying them off in time too. Reviewed on: 31st July 2023

Absolute life saver during these hard times

PayPal credit has enabled us to live in a way that suits our needs in these times of hardship Reviewed on: 31st July 2023

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