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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (136051 reviews)

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4.73

Based on 136,051 reviews, last reviewed 11th Jun 2026

3921050% increase in 5 star reviews

in the past 90 days

10900% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit options Great credit options, everyone should find best offer for their purchases. Customer service helpful. The only cons is that any interest purchase are p... Read more Reviewed on: 11th June 2026

Latest lowest rating:

1

There's no solution offered to my issue There's no solution offered to my issue Reviewed on: 11th 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 (136051)

PayPal Credit 0% over 4 months

Since the beginning of 2022 I've been able to purchase items (e.g Dining Table & chairs set, our 2 weeks holiday home holiday), and spread the costs over 4 payments. As a PayPal customer now for +4 years I've enjoyed no fuss PayPal payments without having to breach any limit imposed on my spending. Along with my other sources of payment, PayPal is now a vital tool in my monthly budgeting. Reviewed on: 8th July 2022

Easy, simple and appreciate the security

Truly is a great product which continues to innovate and extend their services - love it! Reviewed on: 8th July 2022

Simple use

Simple to use and easy to pay back. Reviewed on: 8th July 2022

PayPal credit is fantastic for spreading costs of essential purchases

PayPal credit has helped me out so many times to spread the cost of purchases around Christmas time. It's taken so much stress away at that time of year and now I use it almost every time I need to make a sudden or unexpected purchase. I also use a credit card however PayPal credit is much easier to use and more transparent when payments are due making it easy and stress free to manage your balance. Highly recommended. Reviewed on: 8th July 2022

very handy

Comes in very handy for payments when I have no money, or when I'm expecting pay cheques. Reviewed on: 8th July 2022

easy to use

i was able to make several payments easy. i wish it was a transfer account aswell but i have no complaints whatsoever Reviewed on: 8th July 2022

Quick easy and reassuring

The whole product from setting up to using and paying back is super easy and convenient Reviewed on: 8th July 2022

Best credit ever

I just love it , its amazing to have something like that Reviewed on: 8th July 2022

Top top top

I have managed to book my first family holiday thanks to PayPal credit. It’s perfect because you can spread the cost in 4 months instalments with no interest and you don’t really need to have any money up front. Next thing I hope they issue credit cards with the same principle for everyday spending. Reviewed on: 8th July 2022

Allowed me to make a big big purchase and pay within a few months interest free!

I was saving to buy a sofa when the provider had a really good sale PayPal credit allowed me to purchase the sofa and pay back over a few months interest free, It was brilliant not only no interest but was able to take advantage of the promotion also and so saved a few hundred pounds too. Reviewed on: 8th July 2022

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