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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (57747 reviews)

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4.91

Based on 57,747 reviews, last reviewed 8th Apr 2026

641200% increase in 5 star reviews

in the past 90 days

2000% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Love the sense of buying and paying later. Love the sense of buying and paying later. And having the time over months to pay. Love it Reviewed on: 8th April 2026

Latest lowest rating:

1

Regular credit checks nonexistent PayPal states they do regular checks to increase credit limit. I think the AI software is not working properly. All the other credit companies increas... Read more Reviewed on: 8th 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 (57747)

Pay in 3 is great as is the low interest credit rate...

Pay in 3 is great as is the low interest credit rate, brilliant! Reviewed on: 26th May 2025

All round good experience no issues.

All round good experience no issues. Reviewed on: 26th May 2025

Triplets

Reassuring, easy and thorough and such a help to me Reviewed on: 26th May 2025

Great service

I've been using PayPal for years now and I've never had a problem with it. The options for payment makes life easier and the website and app are amazingly easy to use. Reviewed on: 26th May 2025

I like PayPal for their flexibility

I like PayPal for their flexibility in using the credit and low APR. I cannot recommend them enough. There were there when I needed a fix pay and very easy to use for either sending, receiving or paying. Reviewed on: 26th May 2025

Any issues

Any issues I’ve had PayPal have always supported me & helped solve the issue. Communication with upcoming dates & payments are always in advance. Reviewed on: 26th May 2025

Highly Recommended Great Financial Flexibility

Using the PayPal Credit card has been a fantastic experience. One of the biggest benefits is the four-month interest-free period on purchases of £99 and over. This feature really helped me take control of my finances, giving me the flexibility to spread the cost of important purchases without the pressure of immediate interest. It’s played a big role in helping me get into a stronger financial position. The layout of the account and monthly statements is clear and easy to understand, making it simple to manage my spending and stay on top of payments. The system itself is really intuitive, and I’ve genuinely enjoyed using it. Customer support has also been excellent—helpful and responsive whenever I’ve needed assistance. I’ve even referred family and friends to use PayPal Credit because of how beneficial it’s been for me. It’s a reliable, user-friendly tool that makes managing money much easier. I highly recommend it to anyone looking for more control and flexibility in their finances. There are honestly no cons for me. It’s saved me a significant amount in interest compared to a typical credit card, which I no longer use thanks to PayPal Credit. It’s become my go-to option for larger purchases. Reviewed on: 26th May 2025

Very easy to manage

Very easy to manage. I've used PayPal credit on a few occasions and it's usually my go to source for credit when required nowadays Reviewed on: 26th May 2025

Why I used Paypal

PayPal are always reliable in my experience. Customer service is great and I'm always kept well informed when payments are due etc. It's a convenient, easy, secure way to shop, most companies have the option to use it. Also most importantly it is a secure trustworthy option. Reviewed on: 26th May 2025

All great very easy app to managing your wallet all...

All great very easy app to managing your wallet all as it should Reviewed on: 26th May 2025

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