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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (173874 reviews)

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4.73

Based on 172,574 reviews, last reviewed 9th Jul 2026

1417% increase in 5 star reviews

in the past 90 days

1386% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

All good no problems. All good no problems. Easy to use interface. Reviewed on: 9th July 2026

Latest lowest rating:

1

I have had one very unpleasant experience with PayPa... I have had one very unpleasant experience with PayPal, they offered no support regardless of an exceptional circumstance and regardless of my excellen... Read more 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 (173901)

best credit card

5 years used never problem cheapest intrest Reviewed on: 2nd June 2023

One of the best credits

I have been using the credit card and I’m so happy with it as it’s so handy . Reviewed on: 2nd June 2023

Top card

We regularly use PayPal for big purchases and the 4 months interest free is a great way Reviewed on: 2nd June 2023

Best

Tells you within seconds if you are approved or not Reviewed on: 2nd June 2023

Flexible 0% Interest

I have been using PayPal for many years and the peace of mind with all of the safety when using PayPal is invaluable. Over the past two years I have been using PayPal Credit with the option to have 4 month’s interest free options. What a god send this has been, I have also used the 12 month plan and with fantastic interest rates and option to clear the balance at any time it has also enabled me to purchase items when needed. Great customer service, great credit options and a great company. Thank you PayPal Reviewed on: 2nd June 2023

Want it Paypal it

Flexible safe and secure easy to use easy to contact and agents very helpful friendly and understanding it’s a win win Reviewed on: 2nd June 2023

Easy and affordable

Gives people chance to borrow money interest free for three months so it's perfect for purchasing things you need but things you can't afford to buy generally as it would be too much money in one go to sacrifice. I think it's a great way to build credit and the app reminds you how much your monthly repayments are as well as being able to pay off more if you want to. Reviewed on: 2nd June 2023

So easy to manage

Easy to manage, very helpful , been using PayPal for a number of years any queries are handled with ease. Reviewed on: 2nd June 2023

0% credit is a lifesaver

In these hard times of high inflation, a credit provider offering 0% credit for 4 months can be a lifesaver for struggling families. If your fridge freezer or washing machine packs up, spreading the cost of a new appliance can be vital to prevent one going into overdraft and incurring costly charges. I can't recommend them enough. Reviewed on: 2nd June 2023

Really easy to use and 0% if you spend over £100

No big surprises when the interest rate goes on. Easy to use to tide you over if you need something in an emu Reviewed on: 2nd June 2023

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