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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181018 reviews)

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4.73

Based on 181,014 reviews, last reviewed 22nd Jul 2026

197% increase in 5 star reviews

in the past 90 days

251% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Customer service is excellent and they truly listen... Customer service is excellent and they truly listen when you have a problem.. I cannot fault them. Reviewed on: 22nd July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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 (181018)

interest free plan and easy manage fin...

Great to have interest free plan and easy manage finances Reviewed on: 17th June 2026

Great for spreading the cost of payments.

Great for spreading the cost of payments. I use the pay in three installments over three months and occasionally use the 0% option to pay for larger purchases. If you know you can pay everything off before the interest kicks in then it is a great tool for spreading the cost of payments without incurring any interest. Reviewed on: 17th June 2026

Quick easy, and when there has been a problem dealt...

Quick easy, and when there has been a problem dealt with promptly Reviewed on: 17th June 2026

Only had to ring twice sin the many years I’ve had m...

Only had to ring twice sin the many years I’ve had my account, excellent service. My only issue is the length of time it takes from the direct debit date to the money actually leaving your bank account. Reviewed on: 17th June 2026

Good 0% for four months on purchases

Good 0% for four months on purchases Reviewed on: 17th June 2026

Great service especially the 4 months interest free

Great service especially the 4 months interest free Reviewed on: 17th June 2026

Excellent value for money and clarity of repayments...

Excellent value for money and clarity of repayments schedules Reviewed on: 17th June 2026

Easy to use, feels secure to use, and the credit is...

Easy to use, feels secure to use, and the credit is easy Reviewed on: 17th June 2026

Interest free credit.

I have used paypal credit for items £750+ and as long as you pay it all back within a certain time, you pay no interest. What`s not tto like. Reviewed on: 17th June 2026

I've enjoyed my interaction with Paypal since I star...

I've enjoyed my interaction with Paypal since I started using it as my preferred payment option online. Feels quick... Safe and trusted Reviewed on: 17th June 2026

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