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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (74052 reviews)

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4.90

Based on 74,052 reviews, last reviewed 17th Apr 2026

2142200% increase in 5 star reviews

in the past 90 days

6100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Never had an issue with them, no payments on hold or... Never had an issue with them, no payments on hold or any nonsense like that which I have faced with other competitors Reviewed on: 17th April 2026

Latest lowest rating:

1

Scammed 3 times by the same scammer Got scammed three times in three transactions from the same seller. PayPal would only refund one. Leaving me £200 out of pocket even though it’s clea... Read more Reviewed on: 17th April 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 (74052)

Positive experience with PayPal.

Positive experience with PayPal. The platform is easy to use. Convenient in managing payments online. Reviewed on: 17th April 2026

Over all very good service. Good schemes I mean offers

Overall good. I would definitely recommend my family members and friends Reviewed on: 17th April 2026

Safe and reliable

Never had an issue with PayPal. Customer service is good Reviewed on: 17th April 2026

Happy with services, ease of use and transparency

Happy with services, ease of use and transparency Reviewed on: 17th April 2026

Great and easy and reminds you when the 0% apr runs...

Great and easy and reminds you when the 0% apr runs out so u don't get caught out . Reviewed on: 17th April 2026

Happy customer

I was very happy when they went in my favour in a dispute I will always use PayPal when paying for large items . Reviewed on: 17th April 2026

Breath of Fresh Air

Convenience and the fact that I can pay later in three instalments after using it. I have been able to own stuff that I couldn’t have if I didn’t have the option, via PayPal, to pay in three. Reviewed on: 17th April 2026

Quickly fixed an issue that could have cost me a lot...

Quickly fixed an issue that could have cost me a lot of money, due to a shop's website going wrong! Always feel my transactions are safe! Reviewed on: 17th April 2026

PayPay is reliable and trustworthy.

PayPay is reliable and trustworthy. Reviewed on: 17th April 2026

Seamless Shopping with Built-in Flexibility

I’ve been using PayPal Credit for a while now, and it has genuinely changed how I manage larger online purchases. The standout feature is definitely the 0% interest for 4 months on every spend over £99 (or $99, depending on your region). It’s incredibly convenient for spreading out the cost of electronics or home essentials without the pressure of immediate payment. Reviewed on: 17th April 2026

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