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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 (181153)

Excellent

Make life easier. helpful to manage money. Reviewed on: 11th August 2022

Excellent options for repayment

Great to have 4 months at 0% interest Reviewed on: 11th August 2022

Incredible Service and Convenience

The customer service is second to none and the app is so easy to use!! Spending and moving money is so much easier to not only do but to manage via the PayPal app!! I’ve really enjoyed my experience!! Reviewed on: 11th August 2022

A great flexible service

PayPal credit gives you the flexibility of a credit card but at a huge amount of retailers that I already accept PayPal as payment. What makes it stand out is the 4 months interest free payments, the ability to split payments into multiple months (for retailers you wouldn’t normally expect!) and give the confidence of PayPal buyer protection. Overall a great service and great product! Reviewed on: 11th August 2022

No hassle credit with great benefits

I applied simply to test out the service and I'm so pleased I did. Excellent app, brilliant interest free offers and pure simplicity! Thank you PayPal Credit - you are the best.. Reviewed on: 11th August 2022

Best thing ever

Its simple quick, interest free. Helps you to buy things and not worry about for 4 months. Reviewed on: 11th August 2022

Great app, experience, and interface via app, but restrictive

Overall, PayPal Credit is fantastic, but incredibly restrictive in the UK. You can only pay at very few places like restaurants and pubs. Needs greater access. Reviewed on: 11th August 2022

very good !

Amasing product! If there is a need to pay for a product in a slightly extended period, pay.pal credit is always at hand and helps with this. Reviewed on: 11th August 2022

Absolutely Convenient

My PayPal Credit experience has been one of the best so far. Reviewed on: 11th August 2022

Great credit card to use when you can

Pretty straight forward on what payments are intreset free for 4 months which are great and apply is quick and easy Reviewed on: 11th August 2022

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