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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174284 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174287)

PayPal credit is great give me plenty of time to pay...

PayPal credit is great give me plenty of time to pay of online purchases highly recommend Reviewed on: 1st June 2024

Simple to use but actual cost sometimes hard to calc...

Simple to use but actual cost sometimes hard to calculate Reviewed on: 1st June 2024

Easy to use.

Easy to use. Always reminded of transactions coming up. Easy to transfer money or pay off early. Reviewed on: 1st June 2024

Like their pay in 3 options also 4 months interest f...

Like their pay in 3 options also 4 months interest free for every purchase above £99 Reviewed on: 1st June 2024

They have been always excellent and fair

They have been always excellent and fair Reviewed on: 1st June 2024

This gives a bit of breathing space but is flexible...

This gives a bit of breathing space but is flexible when you need to buy something either unexpected or expensive. Reviewed on: 1st June 2024

The 4 month interest free credit is extremely useful...

The 4 month interest free credit is extremely useful for higher purchases. I use quite regular for trips and holidays to be able to spread the cost and manage my budget accordingly Reviewed on: 1st June 2024

I used PayPal credit for a new ph & everything went...

I used PayPal credit for a new ph & everything went well Reviewed on: 1st June 2024

Have used paypal credit for a long time now and it's...

Have used paypal credit for a long time now and it's so useful. I've purchased a laptop and 2 phones using it and it's saved me a lot of money versus a contract or store monthly pay scheme. Always easy to set up and so flexible - pay in 3 is great for midrange purchases that would be a bit too much for one go, bigger purchases usually have 12,24 or 36 month interest free deals. Been a great asset to have, can't recommend enough! Reviewed on: 1st June 2024

PayPal credit PayPal credit Safe and Convenient

PayPal credit is so convenient for me. I never have any problems and feel safe using it. Reviewed on: 1st June 2024

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