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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (136655 reviews)

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4.73

Based on 136,655 reviews, last reviewed 12th Jun 2026

3949050% increase in 5 star reviews

in the past 90 days

10950% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Never had problems from the beginning Never had problems from the beginning Reviewed on: 12th June 2026

Latest lowest rating:

1

Card never works Card hasn’t worked whenever and wherever I tried it… just gets declined despite an unused £6500 balance available Reviewed on: 12th 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 (136655)

Easy to use

PayPal credit is super easy to use, just clicking a button when you go to checkout. It’s also great on the app as you can check exactly how much is due to pay back and when, and can pay a bit more if you’re able at the tap of a button Reviewed on: 2nd June 2023

Paypal Credit is a Great Option and Easy to Use/Manage

I have to say that I have been a Paypal user for many years now but in the last 6 months found out about their Paypal Credit facility. This has been a very useful option as I dont have or want any other credit cards. I especially like the 0% on purchases for 4 months if spend over £99. I know that my purchase has a guarantee like a standard credit card but also may not straightaway have all the monies to pay off balance so good that I can choose to spread the cost should I wish too. Reviewed on: 2nd June 2023

Excellent

I’m happy to be with PayPal, great excellent service and I highly recommend to everyone Reviewed on: 2nd June 2023

PayPal Credit

Quick easy unbelievable 0% interest really helps out and encourages more use Reviewed on: 2nd June 2023

0% Time and Time again

Best credit card ever, where you get 0% for 4 month on every purchase over £99, best way to spread the cost without costing you anything Reviewed on: 2nd June 2023

Brilliant services

Excellent rates and service from friendly helpful staff Reviewed on: 2nd June 2023

Paypal credit with 0% interest for 4 months on £99 purchases and above

Paypal credit with 0% interest is a game changer. It allows you to pay over time without incurring any additional fees Reviewed on: 2nd June 2023

Paypal Credit is fantastic!

Excellent option to pay large payments over a 4-month period at 0% interest! Reviewed on: 2nd June 2023

My reliable friend

Always at hand when needed. Has never let me down Reviewed on: 2nd June 2023

Very handy when needed

Bought and paid off a new TV within 4 months paid 0 intrest will be using PayPal again its such a handy backbone when needed Reviewed on: 2nd June 2023

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