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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 142,493 reviews, last reviewed 18th Jun 2026
4214750% increase in 5 star reviews
in the past 90 days
12050% 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 good service and helpful customer service Very good service and helpful customer service Reviewed on: 18th June 2026
Tom B's avatar
Tom B

Latest lowest rating:

1

It's been four months and they're still charging me... It's been four months and they're still charging me interest on things I've already paid for. You're all thieves, all of you who work there. I hope Go... Read more Reviewed on: 18th June 2026
Alex C's avatar
Alex C
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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 (142493)

PayPal credit

5
Great company, been using for years. Like the flexibility with monthly payments for PayPal credit. Highly recommended. Reviewed on: 8th July 2022
Ornetsf's avatar
Ornetsf

Love it

5
Love PayPal credit. Easy to use. Love the different interest free plans to spread the cost. Especially with cost of living issues, I love using PayPal credit having the pace of mind that I can split the cost with no interest!! Reviewed on: 8th July 2022
Rebecca's avatar
Rebecca

PayPal credit

5
Easy to have what you want, when you want it. Simple application and easy to use. You don't pay exorbitant amounts of interest either. Keep up your payments and it all works smoothly. Reviewed on: 8th July 2022
Stan Milton's avatar
Stan Milton

Almost Perfect.

4
Used regularly with some great buy now and pay later options. My only gripe, hence the 4 starts, is that currently you cannot choose what installment you would like to pay manually. Reviewed on: 8th July 2022
Jason Wragge's avatar
Jason Wragge

Easy, simple & straightforward

5
Really easy way to spread the cost Reviewed on: 8th July 2022
Peter Magee's avatar
Peter Magee

Amazing service

5
Great service, make ms things easily affordable for families. Reviewed on: 8th July 2022
DavidsonManalang's avatar
DavidsonManalang

Super Easy and a god send at the moment!

5
Money is super tight and sometimes emergency spending is completely unavoidable. SO, Paypal credit has helped me out so much during the pandemic and still now during the money squeeze in the UK. I am able to payback monthly with very reasonable instalments and as I have been doing so well In paying back *again its set up automatically so its no stress* I was offered a larger credit limit and was able to feel even more secure in my finances! Would recommend :) Reviewed on: 8th July 2022
Sophie Allen's avatar
Sophie Allen

Very handy

4
Very handy, specifically interest free 4 months promotional period, less interest rate than others with same credit score Reviewed on: 8th July 2022
Sayedullah Shahid's avatar
Sayedullah Shahid

Easy

5
So easy to use … very flexible ! I’m impressed Reviewed on: 8th July 2022
Lilyfd Fd's avatar
Lilyfd Fd

Forever recommending Paypal Credit to friends and family!

5
I now avoid all credit card lenders and ONLY use PayPal credit. The fact you don't have to pay ANY interest until after 4 months (which 9/10 times Is paid before it gets to that point) is amazing! Huge help for last minute things you need to buy anywhere from a birthday present you forgot or to replace a household appliance that broke - This is very helpful for all situations without Suprise costs or worry over being screwed over financially for borrowing Reviewed on: 8th July 2022
Mrs Bourne's avatar
Mrs Bourne

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