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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th 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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Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

Better then a normal credit card

PayPal credit is flexible and zero percent interest on purchase for four months is excellent. Reviewed on: 7th July 2026

Why I Like PayPal Credit

I’m a big fan of PayPal Credit because it gives me flexibility without encouraging me to spend beyond my means. The biggest advantage is the 0% interest on purchases over £99 if they’re paid off within four months. I treat it as a free, short-term loan that helps spread the cost of larger purchases while keeping my money in my own bank account for longer. As long as I clear the balance before the promotional period ends, it doesn’t cost me a penny in interest. I also like that I can choose whether to pay purchases off immediately or spread them over a few months. If an unexpected expense comes along, I have the option to keep my cash available without having to apply for a new loan or credit card. Another feature I appreciate is that all my eligible purchases are in one place, making it easy to keep track of what I’ve bought and when each promotional period ends. I simply make sure I clear the balance before any interest becomes payable. For me, PayPal Credit is a financial tool rather than a source of extra spending. It lets me buy something when I need it, benefit from interest-free credit, and retain flexibility with my cash flow. Used sensibly and with discipline, it’s one of the most useful financial products I have. Reviewed on: 7th July 2026

Easy to use, suits my needs.

Easy to use, limits which suit my financial needs. 0% interest feature for 4 months is helpful in managing credit amount. Reviewed on: 7th July 2026

An excellent choice!

Last year I wanted to offer my husband a special gift, but I didn't have enough money. PayPal Credit saved me and proved to be an excellent choice! Thank you! Reviewed on: 7th July 2026

GOOD TEAM WORK

SHORT WAIT ON CALLS - GOOD CUSTOMER EXPERIENCE WITH KNOWLEDGABLE SUPPORTIVE POLITE FRIENDLY STAFF Reviewed on: 7th July 2026

Paypal review

Never any issues using paypal , so easy and always a very slick process - highly recommend to anyone. Reviewed on: 7th July 2026

Credit where (interest free ) credit is due!!

Paypal credit is secure, interest free and requires very little effort to set up. In today's society these qualities are rare and therefore make the experience feel trustworthy, easy and safe. Reviewed on: 7th July 2026

Excelent services!

Easy and straightforward to set up a credit, done within minutes. Reviewed on: 7th July 2026

No hassle and stressless experience

No hassle and stressless experience Reviewed on: 7th July 2026

Care and attention

I have had very few reasons to call customer service. Those I did were dealt with professionally and completely Reviewed on: 7th July 2026

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