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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)

Fab

Great way of spreading cost. I've used it for years Reviewed on: 10th July 2022

Quick easy reliable

PayPal credit is ideal for any shopper, the “no interest for 4 months” on payments over £100 is just great and means I can spread out the repayments easily. Reviewed on: 10th July 2022

5 star

Overall it’s a positive experience Reviewed on: 10th July 2022

Reliable, convenient, safe and easily accessible

I have been using PayPal for 4 years now and I have found it so convenient and accessible. I love that larger purchases can be made and paid back interest free over 4 months. Paypal credit is my go to for larger purchases, so much so that I no longer have or need a credit card. I would highly recommend. Reviewed on: 10th July 2022

Great

Helps out when needed for large items. Gives you chance to pay before interest is added. Reviewed on: 10th July 2022

Help in dark days

Sometimes I need a fast and reliable payment, I'm glad I have paypal. Reviewed on: 10th July 2022

The most used payment for my travels

The credit card payment became the default payment used for my travels due to spreading cost over the months as an option available for a few years ago. Reviewed on: 10th July 2022

Excellent

With PayPal, it makes it easier for me when making payment for online purchases. Reviewed on: 10th July 2022

Decent service

At the moment, PayPal is among the only providers that actually offer interest free credit. Reviewed on: 10th July 2022

Quick and easy

It’s quick and easy to apply for PayPal Credit – all you need to do is complete a short application form and PayPal credit will give you a decision instantly. If approved and you accept, you’ll have a credit limit attached to your PayPal account to start using straightaway at thousands of online stores. So I am loving it Reviewed on: 10th July 2022

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