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PayPal: PayPal Credit reviews

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4.90
Based on 86,017 reviews, last reviewed 26th Apr 2026
1624700% increase in 5 star reviews
in the past 90 days
4600% 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:

4

Simple checkout, helpful credit option I’ve been using PayPal Credit for a while and it’s been convenient for spreading the cost of larger purchases. The application process was straightfor... Read more Reviewed on: 26th April 2026
Khads's avatar
Khads

Latest lowest rating:

2

interface is not clear. interface is not clear. i had massive problem to pay paypal credit by using wallet cards. old interface like 5y sgo was way better. i hate it so much ... Read more Reviewed on: 26th April 2026
rafal's avatar
rafal
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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 (86017)

It's a credit , they want your money from interest s...

5
It's a credit , they want your money from interest same as any other. Reviewed on: 27th May 2025
Raf's avatar
Raf

Seamless, Secure & Reliable !PayPal Sets the Standard!

5
I’ve been using PayPal for years, and it continues to be my go-to for safe, flexible, and convenient payments. Whether I’m shopping online or managing instalment plans, PayPal’s retail finance options make it incredibly easy to stay in control of my budget. The user experience is smooth, the security is top-notch, and customer service is always helpful and responsive. Their “Pay in 3” and other buy now, pay later features are a game-changer, especially during tight months or for larger purchases. I genuinely trust PayPal to handle my transactions, and they’ve never let me down. Reviewed on: 27th May 2025
Marco S's avatar
Marco S

PayPal is so easy to use and it makes me feel safe.

5
PayPal is so easy to use and it makes me feel safe. It enables you to keep all your information without revealing it to third parties. Definitely my favourite way to buy things. Reviewed on: 27th May 2025
Karen Q's avatar
Karen Q

PayPal credit gives a longer time frame to. pay

5
Using PayPal credit gives me a longer time frame to pay for larger items. This would mean that if the terms of payment are received by them on time, there is no interest added. Reviewed on: 27th May 2025
Olivia's avatar
Olivia

Financial Confidence

5
Provide me confidence in my financial transactions. Great interest free options to pay for products where I need want to use that facility. Reviewed on: 27th May 2025
Greig's avatar
Greig

Credit to buy a shed

5
I needed a new shed and the one I saw had a deal of no interest when paid on PayPal credit over a year. I filled out all the information and got an answer back very quickly. I’m happy to say I got the new shed. Thanks so much PayPal Reviewed on: 27th May 2025
Kelly B's avatar
Kelly B

Excellent service

5
Came in very useful for fish tank parts when they died. Application process quick and straightforward Reviewed on: 27th May 2025
Sarah Louise's avatar
Sarah Louise

Handy to have when needed, 0% for 4 months is ideal...

5
Handy to have when needed, 0% for 4 months is ideal for large purchases that can be broken down and paid off quickly. Reviewed on: 27th May 2025
Chris S's avatar
Chris S

Pay in 3 and no interest for 4 months is great but t...

4
Pay in 3 and no interest for 4 months is great but the interest rate is high Reviewed on: 27th May 2025
Tania Q's avatar
Tania Q

PayPal my go to interest free credit account!

5
Everything runs smoothly it’s all made clear with emails. Impressed with the 3 payment system no interest unless you default. I like the 4 month interest free option again you need to make sure you pay in full before the finish date which is clearly noted in your monthly account. Thank you pay pal! Reviewed on: 27th May 2025
Diana r's avatar
Diana r

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