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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168151 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 (168159)

The perfect financial tool

Paypal Credit with 4 month's interest free on £99 and above has allowed us to tackle some larger projects like replacing old carpeting with lovely wooden floors. 4 months is enough time to complete the job and pay off the amount before going for another project. Reviewed on: 31st July 2023

Excellent service!

Great level of transparency, safer transactions, 4 months interest free when using PayPal Credit - highly recommend! Reviewed on: 31st July 2023

Easiest Credit Ever

PayPal credit is hands down the easiest form of credit, with it being online as well it makes me stop and think about what I'm purchasing because I can't just use it when I'm in a physical store, it's helped my credit score massively and it's my go to when making big purchases, the 4 months 0% interest is a life saver! Reviewed on: 31st July 2023

Easy shopping

You can pay during 4 months and there is no interest. Reviewed on: 31st July 2023

Quick, easy and manageable offers

PayPal credit offers a great interest rate for either small purchases or an excellent 0% offer on anything above £99 making payments manageable on goods and services that require such payment. Heavily recommend PayPal Credit Reviewed on: 31st July 2023

Reliable

The credit card option is a good option for payment the 4 months 0% helps greatly with payment extensions Reviewed on: 31st July 2023

Easy

easy to use and manage for purchases and gives peace of mind when using good security Reviewed on: 31st July 2023

Quick and Easy

Quick easy and accepted by many retailers. Reviewed on: 31st July 2023

Useful, quick, simple

I use PayPal credit to help with times like Christmas, anything over £99 you 4 month’s interest free on so can pay off without incurring. It gives me flexibility Reviewed on: 31st July 2023

Great product, easy to use

Great product, easy to use and flexible. Reviewed on: 31st July 2023

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