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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

28% increase in 5 star reviews

in the past 90 days

45% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th August 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 (181120)

Its great.

Its great. Having a few months to pay it off before paying interest helps when items are needed but moneys looking tight. Reviewed on: 29th June 2026

Easy to use, good communication,

Easy to use, good communication, Reviewed on: 29th June 2026

Great service and options

I find it very easy to use and it's great having a card again. It's good to have the various different options. Reviewed on: 29th June 2026

I used PayPal credit for the 4 month interest free o...

I used PayPal credit for the 4 month interest free on big purchases Reviewed on: 29th June 2026

Purchase with peace of mind

You can always carry out secure purchased and money back guarantee should the seller default The service on a resolution is excellent Reviewed on: 29th June 2026

Straight forward setup

setting up the PayPal credit account etc was straight forward and clear. Reviewed on: 29th June 2026

PayPal customer for 23 years - excellent service

PayPal customer for 23 years - excellent service Reviewed on: 29th June 2026

Peace of mind and time to pay.

It gives me a peace of mind getting 0% interest for 4 months on any single transaction of £99 or more, also making minimum monthly repayment, and being able to clear the balance at any time. Reviewed on: 29th June 2026

PayPal provides real value.

PayPal provides real value. Competitive rates and great customer services. Options available to suit one's budget or spending pattern which makes it easier to budget. Reviewed on: 29th June 2026

Everything is brilliant however the app can be a lit...

Everything is brilliant however the app can be a little confusing in terms of what falls under 0% interest in the buy now pay later when you have multiple purchases. Few years ago this was super obvious until the update happened. Its also not clear what your repayments pay off first. Asides from the the ease of use and flexibility of the app is superb and really helps manage finances Reviewed on: 29th June 2026

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