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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175114 reviews)

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4.73

Based on 174,829 reviews, last reviewed 10th Jul 2026

1347% increase in 5 star reviews

in the past 90 days

1212% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Ease of use All seemed to go through easily without too much hassle. Reviewed on: 10th July 2026

Latest lowest rating:

2

I working with paypal between 5 or 6 years , when is... I working with paypal between 5 or 6 years , when is something wrong paypal don't help me , why i used , have another credit company the process is mo... Read more Reviewed on: 10th 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 (175128)

PayPal has given me the flexibility to pay interest...

PayPal has given me the flexibility to pay interest free and been a life safer Reviewed on: 7th July 2026

Agne Pakstiene

Excellent.I'm very happy.. Helped me when I really needed it. Reviewed on: 7th July 2026

Better then a normal credit card

PayPal credit is flexible and zero percent interest on purchase for four months is excellent. Reviewed on: 7th July 2026

Why I Like PayPal Credit

I’m a big fan of PayPal Credit because it gives me flexibility without encouraging me to spend beyond my means. The biggest advantage is the 0% interest on purchases over £99 if they’re paid off within four months. I treat it as a free, short-term loan that helps spread the cost of larger purchases while keeping my money in my own bank account for longer. As long as I clear the balance before the promotional period ends, it doesn’t cost me a penny in interest. I also like that I can choose whether to pay purchases off immediately or spread them over a few months. If an unexpected expense comes along, I have the option to keep my cash available without having to apply for a new loan or credit card. Another feature I appreciate is that all my eligible purchases are in one place, making it easy to keep track of what I’ve bought and when each promotional period ends. I simply make sure I clear the balance before any interest becomes payable. For me, PayPal Credit is a financial tool rather than a source of extra spending. It lets me buy something when I need it, benefit from interest-free credit, and retain flexibility with my cash flow. Used sensibly and with discipline, it’s one of the most useful financial products I have. Reviewed on: 7th July 2026

Easy to use, suits my needs.

Easy to use, limits which suit my financial needs. 0% interest feature for 4 months is helpful in managing credit amount. Reviewed on: 7th July 2026

An excellent choice!

Last year I wanted to offer my husband a special gift, but I didn't have enough money. PayPal Credit saved me and proved to be an excellent choice! Thank you! Reviewed on: 7th July 2026

GOOD TEAM WORK

SHORT WAIT ON CALLS - GOOD CUSTOMER EXPERIENCE WITH KNOWLEDGABLE SUPPORTIVE POLITE FRIENDLY STAFF Reviewed on: 7th July 2026

Paypal review

Never any issues using paypal , so easy and always a very slick process - highly recommend to anyone. Reviewed on: 7th July 2026

Credit where (interest free ) credit is due!!

Paypal credit is secure, interest free and requires very little effort to set up. In today's society these qualities are rare and therefore make the experience feel trustworthy, easy and safe. Reviewed on: 7th July 2026

Excelent services!

Easy and straightforward to set up a credit, done within minutes. Reviewed on: 7th July 2026

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