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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 80,867 reviews, last reviewed 22nd Apr 2026
2773700% increase in 5 star reviews
in the past 90 days
8100% 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

Very good service and good customer service Very good service and good customer service Reviewed on: 22nd April 2026
Mahmoud 's avatar
Mahmoud

Latest lowest rating:

2

Its no Klarna or clearpay Its no Klarna or clearpay in terms of paypal doesn't give reminders about making payments to paypal credit so you end up getting in more debt with lat... Read more Reviewed on: 21st April 2026
Loz's avatar
Loz
Read all reviews Write a review

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 (80867)

Flexible Payments, Zero Interest!

5
I primarily use PayPal for domestic transactions, and I find that the services and promotional offers it provides are often more competitive than those of other payment platforms. One standout feature is the “Pay in 3” option, which allows customers to split a purchase into three monthly instalments at a 0% interest rate. This has been an invaluable tool for managing larger purchases more comfortably. I frequently rely on this service when purchasing collectible items on eBay, typically ranging from £300 to £600. Breaking these costs into three equal payments (such as £100 per month for a £300 item or £200 per month for a £600 item) makes higher‑value purchases far more manageable, all without incurring additional fees. Regarding PayPal Credit, I generally avoid it due to the potential for interest charges. However, PayPal also offers a 0% interest promotion for four months on purchases of £99 or more, which can be advantageous when used strategically. I make use of these interest‑free options to maximise the value of my spending and maintain better control over my budget. For individuals who want flexible payment solutions and the ability to stretch their money further, I would confidently recommend PayPal for everyday domestic transactions. That said, I would not recommend PayPal for remittances or international spending, as the exchange rates and associated fees can be significantly higher compared to other providers. Reviewed on: 6th April 2026
Kyle J Wright's avatar
Kyle J Wright

I’ve had an excellent experience with PayPal.

5
I’ve had an excellent experience with PayPal. Their rewards system is genuinely useful and adds real value to everyday transactions. On the occasions I’ve needed support, responses have been prompt, accurate, and resolved issues without unnecessary back-and-forth. A reliable service that works as expected. Reviewed on: 6th April 2026
Dominic W's avatar
Dominic W

Great service always

5
Never had a bad experience, PayPal credit was easy to set up. Value for money when I needed it. Easy to use platform. Feel safe using it always. You know if you were to have a problem PayPal will help sort it. Reviewed on: 6th April 2026
Anu D's avatar
Anu D

Great service

5
Love PayPal credit as it allows me to spread the cost of products over time without worrying Reviewed on: 6th April 2026
Taylor L's avatar
Taylor L

Always a payment option

4
Most things I look to buy online offer a PayPal option to pay I find this very convenient Reviewed on: 6th April 2026
steve douglas's avatar
steve douglas

OUTSTANDING

5
Great customer service. Excellent communication. Great offers and promotions. Trusted and reliable. Reviewed on: 6th April 2026
Leigh 's avatar
Leigh

Paypal Credit are always there for you, the best cus...

5
Paypal Credit are always there for you, the best customer service I have experienced..The customer service is second to none.. Reviewed on: 6th April 2026
Ray Heffer's avatar
Ray Heffer

Exceptional service

5
I use PayPal whenever I can it is my preferred payment method. Interest free for 4 months over £100 is a great deal, one which I use often, Can't rate PayPal high enough I find it exceptional, 8 have never had any issues but I know their customer support is there if I ever need them, it is safe, secure and a great deal Reviewed on: 6th April 2026
Lainey 's avatar
Lainey

PayPal Credit

5
Very easy to use. Great communication when purchasing with PayPal Credit. Reviewed on: 6th April 2026
Elizabeth S's avatar
Elizabeth S

Easy Peasy

5
Just so easy to use and navigate Reviewed on: 6th April 2026
Jommac 's avatar
Jommac

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