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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 136,800 reviews, last reviewed 12th Jun 2026
3955400% increase in 5 star reviews
in the past 90 days
11050% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Very easy to use I have never had an issue... Very easy to use I have never had an issue Reviewed on: 12th June 2026
Steve H's avatar
Steve H

Latest lowest rating:

1

Easy access helps with chasing refunds and returns Easy access helps with chasing refunds and returns Reviewed on: 12th June 2026
Frodo's avatar
Frodo
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (136800)

Made very easy and manageable

5
The whole process from start to finish is surprisingly easy.... even managing payments, everything is at the click of a button, giving you full responsibility and control when you need it Reviewed on: 31st July 2023
Rush Miller's avatar
Rush Miller

The perfect financial tool

5
Paypal Credit with 4 month's interest free on £99 and above has allowed us to tackle some larger projects like replacing old carpeting with lovely wooden floors. 4 months is enough time to complete the job and pay off the amount before going for another project. Reviewed on: 31st July 2023
Ivan Viviers's avatar
Ivan Viviers

Excellent service!

5
Great level of transparency, safer transactions, 4 months interest free when using PayPal Credit - highly recommend! Reviewed on: 31st July 2023
Gabriela C's avatar
Gabriela C

Easiest Credit Ever

5
PayPal credit is hands down the easiest form of credit, with it being online as well it makes me stop and think about what I'm purchasing because I can't just use it when I'm in a physical store, it's helped my credit score massively and it's my go to when making big purchases, the 4 months 0% interest is a life saver! Reviewed on: 31st July 2023
Jaide Cullen's avatar
Jaide Cullen

Easy shopping

5
You can pay during 4 months and there is no interest. Reviewed on: 31st July 2023
Shermineh Hashemloo's avatar
Shermineh Hashemloo

Quick, easy and manageable offers

5
PayPal credit offers a great interest rate for either small purchases or an excellent 0% offer on anything above £99 making payments manageable on goods and services that require such payment. Heavily recommend PayPal Credit Reviewed on: 31st July 2023
Joshua Handley's avatar
Joshua Handley

Reliable

5
The credit card option is a good option for payment the 4 months 0% helps greatly with payment extensions Reviewed on: 31st July 2023
Michel Osinnowo's avatar
Michel Osinnowo

Easy

5
easy to use and manage for purchases and gives peace of mind when using good security Reviewed on: 31st July 2023
Winannr 's avatar
Winannr

Quick and Easy

5
Quick easy and accepted by many retailers. Reviewed on: 31st July 2023
Philip Crosse's avatar
Philip Crosse

Useful, quick, simple

5
I use PayPal credit to help with times like Christmas, anything over £99 you 4 month’s interest free on so can pay off without incurring. It gives me flexibility Reviewed on: 31st July 2023
Kathryn Dickerson's avatar
Kathryn Dickerson

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