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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168227 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (168287)

Very straight forward and easy to use.

Very straight forward and easy to use. No issues whatsoever. Easy option if already use PayPal and give some flexibility when spending over £100. Reviewed on: 20th May 2024

Useful for bigger purchases.

Very useful for bigger purchases. Maybe not that great for budgets when it comes to impulse shopping, but manageable for sure. Could do with a higher credit limit and even more interest free options. Reviewed on: 20th May 2024

Easy to read

Everything is plain to see on your statement Reviewed on: 20th May 2024

Very good

It's good allows you to get things you cant afford and pay them up Reviewed on: 20th May 2024

PayPal Credit is modern and helpful

PayPal Credit has been a life saver for me in managing my finances. It has helped me purchase the things I need at the times when I don’t have the cash that month. With the 4 month 0% interest period, that really helps me pay off the purchases. It is quick and easy to use and is available on most platforms as a method of payment. It is also nice to see that they offered to increase my credit amount because they can see how responsible I am with the money on account. I strongly recommend PayPal credit :) Reviewed on: 20th May 2024

Very good paying interest free for four months very...

Very good paying interest free for four months very manageable and can also pay some off each month if you choose to Reviewed on: 20th May 2024

simple and convenient

Its really handy simple and convenient to use. Reviewed on: 20th May 2024

Helps pay for things you can't afford in one go.

Helps pay for things you can't afford in one go. Reviewed on: 20th May 2024

Pleased with service

I have not had to use the customer service and ive had paypal for over 7 years so thats telling of how good the service is Reviewed on: 20th May 2024

Great if paying off within 4 months

It’s great if you are expecting to pay off your big purchases off in 4 months as it’s interest free, but if you don’t the interest rates are a little high, pay in 3 is better option for me personally Reviewed on: 20th May 2024

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