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PayPal: PayPal Credit reviews

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4.90
Based on 85,625 reviews, last reviewed 25th Apr 2026
3213900% increase in 5 star reviews
in the past 90 days
4600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

So easy to use and if I have a problem they sort it... So easy to use and if I have a problem they sort it for me Reviewed on: 25th April 2026
Julie 's avatar
Julie

Latest lowest rating:

1

I had worse experience with u guys very poor service... I had worse experience with u guys very poor service Reviewed on: 25th April 2026
Erion V's avatar
Erion V
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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 (85625)

Supportive

5
PayPal supports me when I need it. Allows me time to pay off something I’ve purchased. Reviewed on: 13th April 2026
Heather 's avatar
Heather

Very easy to use a good option and time of...

5
Very easy to use a good option and time of needs Reviewed on: 13th April 2026
Edwin's avatar
Edwin

Very good, Very good , Very good

5
Very good, Very good , Very good Reviewed on: 13th April 2026
Nicholas 's avatar
Nicholas

Very easy to use and very quick!

5
Very easy to use and very quick!!! Reviewed on: 13th April 2026
xBb's avatar
xBb

Good support

5
Great value and great options from product Reviewed on: 13th April 2026
Normunds Lapins's avatar
Normunds Lapins

Very helpful good to have.

5
Very helpful good to have. and you can control what your spending. Reviewed on: 13th April 2026
Paul T's avatar
Paul T

PayPal Credit - Quick, Honest Review

5
PayPal Credit is handy if you’re disciplined. The big perk is the 0% for 4 months on anything over £99, and that offer applies every time, not just once. It’s great for spreading the cost of bigger buys without paying interest, as long as you clear it in time. The checkout integration is smooth, approvals are usually quick, and it feels convenient because it’s already built into PayPal. The downsides: the standard APR is high, so anything that doesn’t qualify for the promo - or anything you forget to pay off - gets expensive fast. Some people also find the statements a bit confusing, especially when juggling multiple promotional balances. Overall: brilliant if you’re organised, risky if you’re not. It’s a tool, not a trap... but you need to use it with intention. Reviewed on: 13th April 2026
Barbwire 's avatar
Barbwire

Always super quick to deal with issue

5
Always super quick to deal with issue Reviewed on: 13th April 2026
Thomas 's avatar
Thomas

Fantastic flexibility

5
PayPal credit has been a fantastic service and is so flexible. 0% interest on all purchases above £99 is so useful Reviewed on: 13th April 2026
Max A's avatar
Max A

Seamless and easy

5
I use it as my main source for credit. Really easy to use an integrates easily with a lot of websites. Reviewed on: 13th April 2026
M C's avatar
M C

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