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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 140,304 reviews, last reviewed 16th Jun 2026
4115200% increase in 5 star reviews
in the past 90 days
11650% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I highly recommend PayPal Credit. I highly recommend PayPal Credit. At first I was apprehensive about using it and adding another monthly expence to my bills but It has been incredibly... Read more Reviewed on: 16th June 2026
Chantal 's avatar
Chantal

Latest lowest rating:

1

PayPal Credit - AVOID PayPal Credit is an extremely unhealthy and non-consumer friendly credit service. Payments take forever to process and your balance doesn’t update eve... Read more Reviewed on: 15th June 2026
Nathan J's avatar
Nathan J
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 (140304)

0% over 4 months.

5
I like the 0% over 4 months for £100+ payments, it give flexibility for larger purchases. Also the pay in 3 is another good option. It’s nice to have various options to choose from,’picking the one that suits your needs and wants. Reviewed on: 13th June 2026
Nick P's avatar
Nick P

Reliable, great offers, reasonable credit limit, tru...

5
Reliable, great offers, reasonable credit limit, trustworthy Reviewed on: 13th June 2026
Sarah B's avatar
Sarah B

Excellent.

5
Excellent. Really helps to split payments Reviewed on: 13th June 2026
Lee Starford's avatar
Lee Starford

Using PayPal is easier and safe and much more conven...

5
Using PayPal is easier and safe and much more convenient Reviewed on: 13th June 2026
Karen williamson's avatar
Karen williamson

Paypal gives me more opportunities to afford items...

5
Paypal gives me more opportunities to afford items I need to buy. It also provides safety to get money back when issues arise. Reviewed on: 13th June 2026
Tigz's avatar
Tigz

So easy to use, checkout it’s right there and when i...

5
So easy to use, checkout it’s right there and when it’s not you can even simulate a traditional card. Reviewed on: 13th June 2026
David W's avatar
David W

Flexibility of PayPal

5
I love the flexibility of PayPal …. Especially PayPal credit, it enables me to buy things and pay for them over time with the flexibility of payment times. Always clear and concise on the website, so I know exactly where I am with my finances Reviewed on: 13th June 2026
Ann H's avatar
Ann H

I have found PayPal to be very useful, easy to use a...

5
I have found PayPal to be very useful, easy to use and now that I have a PayPal debit and credit card that works seamlessly with my account allowing me to use PayPal where it previously wasn't an option is so convenient, I just can't fault it. The new PayPal credit card functions in the same way as the online service meaning that I can now buy things on the high street and if the total meets the threshold, I can get four months interest free to pay it which is my favourite benefit of using PayPal Credit. I also like the fact that there are no penalties for paying off the balance early. I am a frequent user of PayPal Credit as I find it so handy. Reviewed on: 13th June 2026
Dan H's avatar
Dan H

Just good all round experience

5
Just good all round experience-easy to use Reviewed on: 13th June 2026
Stuart M's avatar
Stuart M

Easy to apply for, easy to set up on phone.

5
Easy to apply for, easy to set up on phone. Super safe! Reviewed on: 13th June 2026
Kim D's avatar
Kim D

Review PayPal: PayPal Credit now

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