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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

PayPal's four months interest free credit is superb

PayPal gave me four months interest free credit which allowed me to purchase a duvet set which was on a limited discount offer. I was then able to put money away while I paid the minimum direct debit each month until the final month when I paid off the full remaining balance. During this time I also made a purchase with 'Pay in 3' which let me pay in three equal payments over 3 months. This was handled okay by Paypal but I had to look at the available monthly statements to check the single minimum monthly direct debit which was a combination of the two purchases. I phoned PayPal on one occasion and customer service person was patient and helpful in explaining how PayPal took final payments when a purchase was concluded. The monthly statements available let you follow the payment trail and the direct debit taken each month. Reviewed on: 6th July 2026

Easy to use and can use in loads of places

Easy to use and can use in loads of places Reviewed on: 6th July 2026

It’s a very good and very helpful

It’s a very good and very helpful Reviewed on: 6th July 2026

Pay Pal is a trusted way to Buy and Pay

Pay Pal is a trusted way to pay and when I have had questions, customer service are always helpful and are able to resolve any issues I have when purchasing items. Also it gives me time to pay for items I could not normally buy. Reviewed on: 6th July 2026

PayPal my favourite credit

Only had to call once as I misunderstood when I paid the amount of a product I had recently purchased for the money to go off other purchases. PayPal agent said it was saving interest as I had a few other items agreed with a monthly figure. It was fine although an option of where you would like the money to go would be good. Reviewed on: 6th July 2026

PayPal is always helpful and supportive to me as a c...

PayPal is always helpful and supportive to me as a customer. The site and app are easy to access. Reviewed on: 6th July 2026

great benefits

best for online shopping, easy tossed and received money, splitting payment from one to four months without interesting, recommended to a friend and could be able to received money, easy access to online as well as a statements Reviewed on: 6th July 2026

Its fantastic!

Its fantastic! It makes big purchases a lot easier due to the low interest rates Reviewed on: 6th July 2026

Great protection for payments

Honest and reliable gives me good security Reviewed on: 6th July 2026

Paypals got you covered!

I've been with Paypal since the days of eBay starting out and since then to see how it has expanded and what it offers deserves a 5* review. The online simplicity to send it transfer money to others, the adoption of QR codes and other clever tech on websites makes everything seem less. You get the confidence from PayPal they have your back with purchases you make and will always investigate problems that arise fairly, with good communication about what's happening. The credit card feature I use the most with it's great offer of 0% for 4months. Allows me to make bigger purchases but also keep the time frame to pay it back so I don't go into debt.the use of an additional card for my g wallet to shop, has really opened up the opportunity for me to use PayPal where the online features are not accepted. Reviewed on: 6th July 2026

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