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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (139354 reviews)

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4.73

Based on 139,354 reviews, last reviewed 15th Jun 2026

4072000% increase in 5 star reviews

in the past 90 days

11550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I love that the good interest rate I love that the interest rate is the cheapest. And I get good rates and sometimes good promotions that save me money Reviewed on: 15th June 2026

Latest lowest rating:

2

Buyer protection is a myth Offered no buyer protection or support after I was ripped off by a watch company never followed up on the complaint I made about it. Reviewed on: 15th 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 (139354)

Super

Very easy to work everything works fast Super relationship and time saving Reviewed on: 11th August 2022

Very to use

I would recommend PayPal to everyone. Most of the time I find great offers where Paypal pays for you and you only Start paying them back after 6 Months. Reviewed on: 11th August 2022

So quick and simple easy to understand and up to 4 months interest free for larger purposes

I bought with PayPal credit Which was simple but then I was amazed to find I paid no interest if settled within 4 months. Reviewed on: 11th August 2022

Great Experience

Everything is easy to access and manage. My favourite part about PayPal Credit is the pay in 3 scheme, allowing me to utilise my credit in a much more convenient manner than other credit companies! Reviewed on: 11th August 2022

Easy and quick to use

Not very time consuming, many useful features which includes the pay in 3 method Reviewed on: 11th August 2022

High Interest Rates but great experience

PayPal Credit is really convenient and easy to use, even if the High Interest Rates stop you from paying it off in a reasonable manner. Reviewed on: 11th August 2022

Convenient way to spread cost

Paypal credit is great for buying household goods such as furniture etc, the introductory interest free periods are very reasonable. This allows you to have all your finance in one place rather than loads of separate credit agreements. The credit limit I have is also quite reasonable. The customer service is also great. Reviewed on: 11th August 2022

Easy to use and convenient

Paypal credit is very easy to use and convenient, and can be used on a fairly wide range of sites. The only downside is that payment transfers from my bank account take a good few days to go through. Reviewed on: 11th August 2022

PayPal credit is my favourite payment method

I’ve never had any issues, so easy to use, clear to see what I owe, easy to make repayments. The added extra bonus of interest free over 4 months if over a certain amount is great and really helps alleviate stress in these difficult Financial Times Reviewed on: 11th August 2022

Safe

Always sure. Never fails. Trusted by all. Reviewed on: 11th August 2022

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