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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146084 reviews)

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4.73

Based on 146,027 reviews, last reviewed 29th Jun 2026

4374900% increase in 5 star reviews

in the past 90 days

12550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great for new home Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making m... Read more Reviewed on: 29th June 2026

Latest lowest rating:

2

I am requesting a full investigation into my PayPal... I am requesting a full investigation into my PayPal Credit account because I believe there may be an error in the way my account has been calculated. ... Read more Reviewed on: 29th 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 (146084)

12 months no interest

Great having 12 months free interest on big items Reviewed on: 13th June 2022

Availability

My experience with paypal is very satisfying.It is available to use anytime Reviewed on: 13th June 2022

Very convenient for spreading payments

I love the convenience of being able to spread the payments. It's easy to use and as long as you are responsible in repaying before the 4 months are up, there is no interest charge. At first I didn't realise that you only had to pay a minimum amount rather than breaking the amount borrowed into 4 equal payments. Once I had realised how to use it, I got on fine. It would be great if PayPal could process the payments quicker. Most other companies are much quicker. It takes 4-5 days to actually leave your account making you wonder whether the payment will go through in time for the interest free deadline. Reviewed on: 13th June 2022

Excellent service

A reliable and fair service that has allowed me to buy things I would have never been able to afford if it wasn’t for the 4 month interest free plans. It’s really easy to keep track of your account with the app, there is regular correspondence via emails about your account and payments, and PayPal customer service is always of a high standard. Reviewed on: 13th June 2022

Credit you can trust

PayPal credit came at the right time for me as the PlayStation 5 was coming out and I didn't have the money upfront so I applied for PayPal credit and was granted the amount of credit that I needed plus a bit extra. Plus it's even easy to get more credit on the existing account of there is any thing else you want to buy. You also get 4 months interest free on purchase's of £99.00. And over. After that interest is 21.9% . So I definitely recommend PayPal credit. Reviewed on: 13th June 2022

Brilliant credit provider

PayPal credit boosted my credit score massively after having zero credit history, I originally used it for purchasing mobile phones on credit but have bought much more than that since. I have had the account almost 3 years now and it that time I have had zero issues everything is explained clearly interest rates are explained well within the PayPal credit webpage and whenever I have contacted PayPal credit with a query they have always been extremely helpful and polite,. I hope to make use of this account for many years to come excellent credit provider overall extremely happy with their service. Reviewed on: 13th June 2022

A great offer to help with large purchases

PayPal Credit has been a great support. Really easy to use and the website helps manage your account brilliantly Reviewed on: 13th June 2022

Affordable

Easy to use and affordable very good indeed will tell my family and friends about PayPal Reviewed on: 13th June 2022

Paypal credit just works!

I've been using Paypal credit for some time now and quite like it. Of course there is room for improvement but it just works and it is always there and available when you need it. Reviewed on: 13th June 2022

Great customer service

I have been using PayPal credit for many years, I've never paid any interest and whenever I've called for advice I've received clear and helpful answers . Reviewed on: 13th June 2022

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