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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181139 reviews)

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4.73

Based on 181,139 reviews, last reviewed 1st Sep 2026

11% decrease in 5 star reviews

in the past 90 days

2% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Comfertable way to spend money Really helpful, feel more comfortable using this than my credit card and saves me going into my over draft Reviewed on: 1st 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 (181139)

Spread the cost

Handy when you need to spread the cost. Reviewed on: 13th July 2026

easy to use and trusted service

An easy to use, comprehensive and trusted service Reviewed on: 13th July 2026

Incredibly convenient and has been a lifesaver on ma...

Incredibly convenient and has been a lifesaver on many occasions! Reviewed on: 13th July 2026

Very good and accessible on tech level.

Very good and accessible on tech level. Credit rates lately - extortionate! Reviewed on: 13th July 2026

Clean and smooth with great customer service.

Clean and smooth with great customer service. Always get the answers I need in a quick timeframe Reviewed on: 13th July 2026

PayPal has helped me with some tricky payments can't...

PayPal has helped me with some tricky payments can't fault the service,pay in 3 service has been great! Reviewed on: 13th July 2026

The pay in 4 months helps me plan my purchases.

The pay in 4 months helps me plan my purchases. Reviewed on: 13th July 2026

0% interest for 4 months..

I’ve been using PayPal Credit for a while now, and it has genuinely changed how I manage my bigger purchases. What I enjoy most is the 0% interest for 4 months on purchases over £99. It gives me the flexibility to spread the cost of larger items without the stress of immediate upfront fees or high-interest penalties. Reviewed on: 13th July 2026

Good options to pay for items.

Good options to pay for items. I do trust them but feel my available credit low & was told by a representative that it is low because I don’t use it enough which I think it ridiculous because I’m good a paying back. I feel that should count. Reviewed on: 13th July 2026

An honest review from John McCabe

The payment insurance would be one of the main reasons I use PayPal, it gives peace of mind against scammers. The staff are very helpful and easy to access and the option to pay in 3 instalments is extremely helpful if anything unexpected arises that is a bit on the more expensive side and is interest free. Reviewed on: 13th July 2026

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