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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th 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 (181143)

Great interest-free tool for big purchases

PayPal Credit is fantastic for spreading the cost of larger purchases like holidays or kids' clothing orders over £200. It allows me to allocate a manageable percentage of my monthly salary toward the balance, and managing the repayments is incredibly easy. While you can set up a direct debit, I prefer making manual payments myself so I can control exactly how much I clear each month. The 4-month interest-free period is a massive help, though you must be disciplined to pay it off in full before the interest kicks in. An extra bonus is the peace of mind from PayPal Buyer Protection on big travel bookings. Just keep in mind that you cannot use a credit card to pay off your balance (it has to be a debit card or bank transfer) and traditional balance transfers are not supported. Highly recommended for anyone looking to budget effectively. Reviewed on: 6th July 2026

The interest can be steep if you mismanage as I have...

The interest can be steep if you mismanage as I have but if you keep it right the process treats you right. I love it!! Reviewed on: 6th July 2026

I use PayPal lots.

I use PayPal lots. Very convenient and safe way to pay for items and send money. Really easy to use. Highly recommended. Reviewed on: 6th July 2026

it is very reliable n easy to use I am using this fr...

it is very reliable n easy to use I am using this from long time Reviewed on: 6th July 2026

PayPal trustworthy and flexible finance

Have used PayPal Credit for a few high price purchases, just gives that flexibility of paying off the finance and includes the option of interest free payments if paid off within a few months making it possible to purchase items you might need in an emergency but perhaps couldn't afford at the time, knowing you won't be paying more if paid off within the time frame. Paypal is a name you can trust. Reviewed on: 6th July 2026

5 star rating

I’ve purchased numerous products and used PayPal to ensure the transactions are safe and also spread the amount over numerous months when i find I’m a bit short that month but need a certain product Reviewed on: 6th July 2026

Easy to apply for fast response straight forward.

Easy to apply for fast response straight forward. Reviewed on: 6th July 2026

I’ve always had good service from PayPal.

I’ve always had good service from PayPal. I find it reliable and easy to use Reviewed on: 6th July 2026

A safe way to pay online

A safe way to pay online, and a choice of payment methods Reviewed on: 6th July 2026

PayPal are user friendly and easy to use.

PayPal are user friendly and easy to use. Customer service is always quick and helpful Reviewed on: 6th July 2026

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