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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (170416 reviews)

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4.73

Based on 169,432 reviews, last reviewed 8th Jul 2026

1457% increase in 5 star reviews

in the past 90 days

1495% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great process very transparent, great customer service Great process very transparent, great customer service Reviewed on: 8th July 2026

Latest lowest rating:

1

I don't trust PayPal anymore they closed a dispute w... I don't trust PayPal anymore they closed a dispute with out professionalism and didn't want to know about my evidence which I have been scammed Reviewed on: 8th July 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 (170425)

Easy to use

It's very valuable and easy to use, and very Helpful, specially when you have struggle with your finance situation. Reviewed on: 31st May 2024

Interest free credit for 4 months is an excellent op...

Interest free credit for 4 months is an excellent option. PPC is easy to use and secure. I have made excellent savings by being able to buy and spread the cost for free over 4 months . Reviewed on: 31st May 2024

A Convenient and Flexible Financing Option

PayPal Credit has proven to be an excellent financial tool for online shoppers and those looking to manage their expenses more effectively. Here are some of the standout features that make it a highly recommended service: • Easy Application Process: Signing up for PayPal Credit is straightforward and quick. The approval process is typically fast, allowing you to start using your credit line almost immediately. • Interest-Free Period: One of the most attractive features is the promotional offer of no interest if paid in full within 6 months on purchases of £99 or more. This is incredibly beneficial for making larger purchases without incurring interest, provided you pay off the balance within the specified period. • Wide Acceptance: Since PayPal Credit is integrated with PayPal, it is accepted at millions of online retailers. This makes it a versatile and widely accepted payment option. • Flexible Payments: The flexibility in payment terms is another plus. You can choose to pay in full each month or make minimum payments, giving you the ability to manage your finances in a way that suits your budget. • No Annual Fee: PayPal Credit does not charge an annual fee, which is a significant advantage over many traditional credit cards that come with yearly charges. • Integration with PayPal Account: Having PayPal Credit linked to your PayPal account makes managing transactions easy. You can keep track of your spending, payments, and available credit all in one place. • Security: PayPal is known for its robust security measures. With PayPal Credit, you benefit from the same level of security and buyer protection, giving you peace of mind when making online purchases. • Customer Service: PayPal offers excellent customer service. Whether you have questions about your account or need help with a transaction, their support team is responsive and helpful. In conclusion, PayPal Credit is a valuable and convenient financing option for anyone who frequently shops online. Its ease of use, flexible payment options, and interest-free promotional periods make it an attractive choice for managing expenses without the burden of high interest rates. Whether you're looking to make a big purchase or simply want a flexible line of credit, PayPal Credit is a solid choice. Reviewed on: 31st May 2024

Paypal is excellent.

Paypal is excellent. Fast and simple. Reviewed on: 31st May 2024

The best payment app I use.

The best payment app I use. I use it all the time Reviewed on: 31st May 2024

I am happy with service .

I am happy with service . It’s a good experience Reviewed on: 31st May 2024

PayPal Credit is amazing

PayPal Credit is amazing, I always use it for large purchases as it’s so convenient to spread the cost in 4 months without any hidden charges and clear dates of when you to pay by in order to avoid interest. Would definitely recommend! Reviewed on: 31st May 2024

Brill to split payments, no interest if you pay in t...

Brill to split payments, no interest if you pay in time, easy to manage Reviewed on: 31st May 2024

Paypal Credit is useful.

Paypal Credit is useful. The App could be more user friendly especially with regards to paying towards balance Reviewed on: 30th May 2024

Very easy and convenient to use

Very easy and convenient to use especially with the 4 months interest free option Reviewed on: 30th May 2024

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