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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (143625 reviews)

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4.73

Based on 143,625 reviews, last reviewed 21st Jun 2026

4265950% increase in 5 star reviews

in the past 90 days

12300% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

There when needed,never let me down,does everything... There when needed,never let me down,does everything for your needs Reviewed on: 21st June 2026

Latest lowest rating:

1

Very good i receive reminders when payment due Very good i receive reminders when payment due Reviewed on: 20th June 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 (143625)

long term user , would always recommend

I’ve had PayPal Credit for several years now, and it’s become one of the tools I rely on most for bigger online purchases. The standout feature for me is the 0% interest for 4 months on purchases over £99 — it’s genuinely useful, and I’ve used it countless times to spread the cost of things without paying extra. It makes larger buys feel much more manageable. The application process was quick when I first signed up, and everything sits neatly inside my PayPal account, so it’s easy to keep track of what I owe and when payments are due. I like that the statements are clear and the minimum payments are straightforward, so there’s no confusion. In terms of drawbacks, the standard interest rate is high once the 0% period ends, so you do need to stay on top of your payments. As long as you’re organised, though, it’s never been an issue for me. Overall, PayPal Credit has been reliable, convenient, and genuinely helpful. It’s become my go‑to option for spreading the cost of bigger purchases, and I’ve had a consistently positive experience with it. Reviewed on: 26th May 2026

Secure, good value and great customer service

Paypal has provided me with secure payment options over the years and now offers value in general purchasing. Reviewed on: 26th May 2026

Easy to apply, feels safe when ordering from companies.

Easy to apply, feels safe when ordering from companies. One step check out very helpful. Reviewed on: 26th May 2026

Easy to use and can spread the cost over time...

Easy to use and can spread the cost over time Reviewed on: 26th May 2026

Great costumer support for all issues

Great costumer support for all issues Reviewed on: 26th May 2026

Brilliant Great service easy to use

Great service easy to use. Easy to contact if you have a problem Reviewed on: 26th May 2026

Super reliable - great communication

Super reliable - great communication Reviewed on: 26th May 2026

Easy to use and money feels safe

Easy to use and money feels safe Reviewed on: 26th May 2026

Very helpful for working people.

Very helpful for working people specifically giving 3 months interest free option. Reviewed on: 26th May 2026

Easy to use.

Easy to use. Customer Service Good Reviewed on: 26th May 2026

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