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PayPal: PayPal Credit reviews

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4.90
Based on 103,445 reviews, last reviewed 10th May 2026
2427050% increase in 5 star reviews
in the past 90 days
7250% 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

Clear and Easy! PayPal Credit has been easy and straightforward to use/apply for. It is well organised with good accessibility. Reviewed on: 10th May 2026
Amy H's avatar
Amy H

Latest lowest rating:

1

The services is not excellent, they were days I paid... The services is not excellent, they were days I paid consistently for 2 years it has not reflect on my account statement Reviewed on: 10th May 2026
Stella N's avatar
Stella N
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 (103445)

Using PayPal is both easy and convenient with the ab...

5
Using PayPal is both easy and convenient with the ability to pay in 3 and take advantage of 0% credit on some transactions. Reviewed on: 16th April 2026
Frederick 's avatar
Frederick

Helpful financial flexibility at my fingertips

5
PayPal Credit has been a reliable safety net for those months when unexpected expenses pop up. I love that the 0% interest offer isn't just for new customers—it applies to every purchase over £99 for 4 months. Managing everything through the PayPal app is very intuitive; I can check my remaining promotional balances and set up reminders in just a few taps. While the 23.9% representative APR (variable) is high if you miss a payment, the app makes it easy to stay on top of things. It’s a great tool for anyone who wants a bit more breathing room with their budget. Reviewed on: 16th April 2026
Karen W's avatar
Karen W

Fantastic!

5
Fantastic! Very easy to use and services are excellent Reviewed on: 16th April 2026
AWM's avatar
AWM

Good app easy to use prompt with payments

4
Good app easy to use prompt with payments Reviewed on: 16th April 2026
Iqbal Laheria 's avatar
Iqbal Laheria

Pay in 3 and 0% for 4 months is very...

5
Pay in 3 and 0% for 4 months is very helpful Reviewed on: 16th April 2026
Brian N's avatar
Brian N

Paypal is so easy to use!

5
Paypal is so easy to use! 100% trust it! Love that i can use pay in 3. Reviewed on: 16th April 2026
melissa P's avatar
melissa P

Best interest free plans are amazing.

5
Best interest free plans are amazing. Recommend to all my friends and family. Very secure platform for making payments anywhere in the world Reviewed on: 16th April 2026
Rizwan's avatar
Rizwan

Paypal is excellent

5
Paypals security is excellent transactions are logged and easy to trace Reviewed on: 16th April 2026
Ian w's avatar
Ian w

It's easy to make payment anywhere it's also help to...

4
It's easy to make payment anywhere it's also help to transfer money to others and acceptable at any stores it gives credit as well for building credit score with good time to pay back u will say it very good Reviewed on: 16th April 2026
Mahammed Patel's avatar
Mahammed Patel

Good credit, use it on a regular basis and had it fo...

5
Good credit, use it on a regular basis and had it for years, would recommend Reviewed on: 16th April 2026
Sadaf 's avatar
Sadaf

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