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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Amy K's avatar
Amy K

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
KC's avatar
KC
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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 (168227)

Credit Made Simple!

5
So straight forward to use and so supported by a brilliant company. Would highly recommend. Reviewed on: 8th July 2022
Izzy Wood's avatar
Izzy Wood

PayPal is consistent, easy and helpful

5
I've used PayPal for a number of years now, their interest rates are very reasonable, their pay in 3 scheme is fantastic and practical for how my finances work and they also offer great financial advice. Reviewed on: 8th July 2022
Thomas Campbell's avatar
Thomas Campbell

Convenience at your fingertips

5
PayPal Credit is at a much higher level of convenience with its 0% interest if spending £99+ offer for months, not only that, it is probably the most fair form of credit for me personally with its 24.9% interest rate. Would highly recommend if you can find the use for it. Reviewed on: 8th July 2022
Fair4Cash1996's avatar
Fair4Cash1996

Easy fast system

5
Had a problem with a company and PayPal credit saved the day within minutes as I had to buy two computers within days. Fast easy decision and a variety of options. Saved christmas! Reviewed on: 8th July 2022
Rob campbell's avatar
Rob campbell

PayPal credit

5
Great company, been using for years. Like the flexibility with monthly payments for PayPal credit. Highly recommended. Reviewed on: 8th July 2022
Ornetsf's avatar
Ornetsf

Love it

5
Love PayPal credit. Easy to use. Love the different interest free plans to spread the cost. Especially with cost of living issues, I love using PayPal credit having the pace of mind that I can split the cost with no interest!! Reviewed on: 8th July 2022
Rebecca's avatar
Rebecca

PayPal credit

5
Easy to have what you want, when you want it. Simple application and easy to use. You don't pay exorbitant amounts of interest either. Keep up your payments and it all works smoothly. Reviewed on: 8th July 2022
Stan Milton's avatar
Stan Milton

Almost Perfect.

4
Used regularly with some great buy now and pay later options. My only gripe, hence the 4 starts, is that currently you cannot choose what installment you would like to pay manually. Reviewed on: 8th July 2022
Jason Wragge's avatar
Jason Wragge

Easy, simple & straightforward

5
Really easy way to spread the cost Reviewed on: 8th July 2022
Peter Magee's avatar
Peter Magee

Amazing service

5
Great service, make ms things easily affordable for families. Reviewed on: 8th July 2022
DavidsonManalang's avatar
DavidsonManalang

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