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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168143 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 (168150)

Slow to update sometimes, but overall really useful!

Slow to update sometimes, but overall really useful! I always trust PayPal but sometimes paying off credit etc takes ages to show changes, leading to some confusion and stress. I love how easy it is to transfer money to people & appreciate the ‘pay in 3’ options. Reviewed on: 19th May 2024

Fast, secure and easy to use.

Fast, secure and easy to use. Easy to apply and with 0 interest on purchases. Reviewed on: 19th May 2024

It is easy and convenient good for shorter and longe...

It is easy and convenient good for shorter and longer duration financing. Reviewed on: 19th May 2024

Makes life easier and care free, knowing you don’t h...

Makes life easier and care free, knowing you don’t have to worry about forgetting to pay your accounts. Would totally recommend. Reviewed on: 19th May 2024

It is easy and reliable to use and PayPal credit has...

It is easy and reliable to use and PayPal credit has massively improved my credit score. Reviewed on: 19th May 2024

It really helped through Covid to have 4 months to p...

It really helped through Covid to have 4 months to pay things off and not have to worry Reviewed on: 19th May 2024

everything just works very smoothly and without any...

everything just works very smoothly and without any problems Reviewed on: 19th May 2024

PayPal Credit reliable and flexible way to pay

I`ve been using PayPal Credit for several months now, and it has quickly become an essential part of my financial toolkit. One of the standout features is the seamless integration with my PayPal account, which makes it incredibly convenient for online shopping and managing payments. What I appreciate most about PayPal Credit is the flexibility it offers. The promotional financing options, like no interest if paid in full within 4 months on purchases of £99 or more, are particularly beneficial. This feature has allowed me to make larger purchases without the pressure of immediate payment, spreading the cost over several months without incurring interest charges. The application process was straightforward and approval was quick, allowing me to start using the credit line almost immediately. The account management tools provided by PayPal are user-friendly, making it easy to keep track of spending, due dates, and promotional balances. Customer service has also been top-notch. On the rare occasion that I've had questions or needed assistance, the support team has been responsive and helpful, ensuring any issues are resolved promptly. Overall, PayPal Credit has provided a reliable and flexible way to manage my finances, especially for online purchases. I highly recommend it to anyone looking for a convenient credit option with generous promotional financing offers. Reviewed on: 19th May 2024

Using the 3 months & 12 months interest free together

Using the 3 month credit makes life so much easier and using the 12 months credit allows for emergencies. Just before Xmas I was in hospital and my daughter rang me to say the dishwasher had broken, I ordered a new dishwasher on the 3 month interest free. The next day TV broke luckily I was able to use the 12 month interest free to order a new tv. Didn’t even have to contact anyone, both problems solved from my hospital bed Reviewed on: 19th May 2024

It is Good

It is Good and I am happy with it Reviewed on: 19th May 2024

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