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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181154)

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

Great offer

4months interest free is hard to beat. Reviewed on: 2nd June 2023

Excellent options for paying over a specific time period

I love paypal and try to use it with every online transaction which I can. The added security and flexible payment options which are awarded are unbeatable. PayPal credit is excellent for the 0% interest if you pay it off over 4 months and there is other options like pay in three which I use frequently. Keep doing a great job PayPal! Reviewed on: 2nd June 2023

SAFE

AS A SINGLE MUM AM ALWAYS SCANNING THE INTERNET FOR DEALS, ALWAYS FEEL PROTECTED USING PAYPAL . AND WITH 4MONTHS FREE INTEREST ON THERE CREDIT ADDED BONUS.. Reviewed on: 2nd June 2023

PayPal Credit

Glad to have the opportunity to use PayPal credit it's one of the safest methods of paying for hoods online, offering protection and the option to pay in 3 payments and interest-free. Reviewed on: 2nd June 2023

Easy as 1234

The 4 months 0% interest has helped me with paying for larger items when money has felt tight. Reviewed on: 2nd June 2023

Friend you can rely on

I’ve been with paypal for many years,and all throughout my experience with them is always smooth transactions and excellent service. The customer service are very helpful for any queries I had. The paypal credit that was offered to me was very handy, I can always use it anytime. I highly recommended paypal to all my family,friends and work colleagues. Thank you Paypal. Reviewed on: 2nd June 2023

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