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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 83,002 reviews, last reviewed 23rd Apr 2026
2969900% increase in 5 star reviews
in the past 90 days
4250% 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

Great to use credit when you need it. Great to use credit when you need it. Reviewed on: 23rd April 2026
Gary Carden's avatar
Gary Carden

Latest lowest rating:

2

PayPal pay poor The interest fees are ridiculously high, also when I overpaid there was no way of retracting payment. Customer service is also poor I feel like my que... Read more Reviewed on: 23rd April 2026
Brea's avatar
Brea
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (83002)

Simple, easy to manage and 0% for 4 months is a bonus

5
0% for 4 months on anything over £100 is a nice offer and lets me spread payments out while I let my money work. Never had a problem, always easy to pay and see how much is due. Great for cashflow if you don't abuse it. Reviewed on: 10th April 2026
GB's avatar
GB

I like to use PayPal because I feel safe to use , an...

5
I like to use PayPal because I feel safe to use , and now with a credit card a can use much more to buy my thinks . Love it definitely recommend Reviewed on: 10th April 2026
Danielle Matos 's avatar
Danielle Matos

They've got the best credit offer I gave seen in a w...

5
They've got the best credit offer I gave seen in a while Reviewed on: 10th April 2026
Olawale M's avatar
Olawale M

Easy to use and reliable for everyday payments

5
I’ve been using PayPal for quite a while now in the UK, mostly for online shopping and sometimes for bigger purchases too. Overall, it’s been a really smooth experience. It’s quick to pay, accepted almost everywhere, and I like that I don’t have to enter my card details on every website, it just feels safer. I’ve tried PayPal Credit a few times when I needed a bit more flexibility with payments. It’s helpful for spreading the cost, especially for larger items, but you do need to keep an eye on the interest if you don’t pay it off in time. I’ve also used Pay in 3, which I actually found very convenient for smaller purchases. Everything is clearly set out, and the automatic payments make it easy to manage without thinking too much about it. The best part for me is the buyer protection. It gives me peace of mind when ordering from sellers I’m not familiar with. I did have one situation where a refund took a bit longer than I expected, but in the end it was sorted, which matters most. Overall, I’d say PayPal is a reliable and flexible option for online payments, and I use it regularly without any major issues. Reviewed on: 10th April 2026
Sohan Soddiqui's avatar
Sohan Soddiqui

Amazing service very helpful and easy

5
Amazing service very helpful and easy Reviewed on: 10th April 2026
Hadassa w's avatar
Hadassa w

flexible credit split payments, ease of saving cards...

5
flexible credit split payments, ease of saving cards, ease of most retailers being able to pay securely through paypal. Reviewed on: 10th April 2026
Bonnie's avatar
Bonnie

PayPal proveds safe service..

5
Simple everytime I use PayPal, I feel very safe and confident that no matter what my order would be delivered. Because how they deal with problems when it happens. Reviewed on: 10th April 2026
Francis A's avatar
Francis A

I use PayPal Credit, so i am satisfield with this se...

5
I use PayPal Credit, so i am satisfield with this service. Reviewed on: 10th April 2026
Bogi's avatar
Bogi

Excellent Payment Flexibility with PayPal

5
PayPal provides excellent services, including a “pay in three months” option with no additional charges and credit plans of up to 24 months. I have used their credit myself, and the process has always been simple and convenient. Reviewed on: 10th April 2026
Joe Co's avatar
Joe Co

PayPal provides the best flexibility for repayment o...

5
PayPal provides the best flexibility for repayment options Reviewed on: 10th April 2026
Mukesh's avatar
Mukesh

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