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PayPal: PayPal Credit reviews

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4.90
Based on 87,490 reviews, last reviewed 27th Apr 2026
1692750% increase in 5 star reviews
in the past 90 days
4800% 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

Before was better when was chat on PayPal page Before was better when was chat on PayPal page Reviewed on: 27th April 2026
Miroslava J's avatar
Miroslava J

Latest lowest rating:

1

PayPal credit helped when time's were hard allowing... PayPal credit helped when time's were hard allowing an extra option to help pay for essentials and able to pay back at a later date Reviewed on: 27th April 2026
Stephanie J's avatar
Stephanie J
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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 (87490)

Interest free big purchase m

5
Excelllent service on a recent big purchase allowed me to spread the cost interest free Reviewed on: 11th April 2026
H F's avatar
H F

Very good services, interest free options are good.

5
Very good services, interest free options are good. Reviewed on: 11th April 2026
S D's avatar
S D

0% intrest and easy to use

4
0% intrest for three months, easy to make payments and it informs you if when minimum payment amounts are due. Reviewed on: 11th April 2026
Wessex's avatar
Wessex

Always use pay in 3 option as it is very convenient.

5
Always use pay in 3 option as it is very convenient. Also use PayPal a lot because it gives me safety and piece of mind when paying online Reviewed on: 11th April 2026
AAV's avatar
AAV

Seamless & Widely Accepted, 3 Months Interest-Free!

5
PayPal Credit “Pay in 3” is one of the most convenient payment options available. The PayPal virtual and physical Mastercard make purchases seamless and are widely accepted worldwide, which adds a lot of flexibility to everyday spending. However, the interest rates can be higher compared to traditional UK banks, especially if you don’t stay within the interest-free periods. So while it’s excellent for short-term convenience, it’s worth being mindful of the costs if you carry a balance. Reviewed on: 11th April 2026
Harris K's avatar
Harris K

User friendly app, easy to access but poor customer...

5
User friendly app, easy to access but poor customer support service. Reviewed on: 11th April 2026
Shushma 's avatar
Shushma

Paypal is the Best way to pay.

5
Paypal is the Best way to pay...A really secure way to pay ;0) Reviewed on: 11th April 2026
George Mckevitt's avatar
George Mckevitt

Good overall, and security when purchasing online

5
Payment options are good though I had a couple of issues a while back with my direct debit pay 3 where the money wasn't taken. Thankfully resolved when I payed via app and haven't had this problem recently, on the whole I find it very good and feel protected especially over disputes when purchasing online Reviewed on: 11th April 2026
DH's avatar
DH

pay in 3 interest free

5
pay pal credit gives yyou pay in 3 options. which could come very handy. However, the limit of the purchase for this option is not as much as your credit limit. Reviewed on: 11th April 2026
Maram Ghani's avatar
Maram Ghani

It’s good

4
It’s good I’ve been using it for years Reviewed on: 11th April 2026
G's avatar
G

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