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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (57893 reviews)

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4.91

Based on 57,893 reviews, last reviewed 9th Apr 2026

654300% 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

Very flexible payment options The pay in 3 instalments for smaller items & the 4 month interest free credit option for more expensive purchases is highly flexible. Reviewed on: 9th 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 (57893)

PayPal is my preferred way to pay

Simple to use and the majority of retailers use PayPal. I feel safer using PayPal. My experiences with customer service is always good and I would always recommend it to people I know. It's always mu preferred way to pay Reviewed on: 26th May 2025

I use PayPal a lot and never have any issues.

I use PayPal a lot and never have any issues. Its a good thing to have. Reviewed on: 26th May 2025

PayPal credit gives you interest free credit for fou...

PayPal credit gives you interest free credit for four months on purchases over £100 which helps spread the costs without adding interest costs to your purchases. It is also excepted in many businesses for payment and is very easy and secure to use. Reviewed on: 26th May 2025

Good availability and always reliable payment.

Good availability and always reliable payment. Great interest free credit options with pay in 3 and buy now pay later. Reviewed on: 26th May 2025

PayPal are paying a scammer or fraudster my money af...

PayPal are paying a scammer or fraudster my money after me telling them about the issue but they are dragging their heels and investigating I’ve done everything that they have asked but still taking my money to pay a crook not acceptable and they don’t listen to me do I will be leaving PayPal one I’ve paid off my pay in 3’s and will never use again after such a long time as a customer. Poor show PAYPAL Reviewed on: 26th May 2025

Great company

Great company lots of payment option to split plus very easy to use Reviewed on: 26th May 2025

Convenient and secure way to pay

Convenient and secure way to pay Always easy to.use and on the rare occasion there was an issue, it was resolved swiftly and easily Reviewed on: 26th May 2025

Convenient for online purchases with promotional 0%...

Convenient for online purchases with promotional 0% interest offers, but the high standard APR and late fees can hit hard if you’re not careful. Best for short-term financing — not long-term debt. Use it wisely, or it gets expensive fast. Reviewed on: 26th May 2025

Great service

Great service, started with eBay, now there are many retailers using PayPal as a means to pay for things online, wish there were more as I’m not fond of entering my card details online Reviewed on: 26th May 2025

Very and convient.safe

Very and convient. value safe way to pay Reviewed on: 26th May 2025

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