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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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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Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

Swift safe Easy to use payments

Easy to use. Feels more secure that paying by card. Reviewed on: 9th June 2026

Always easy to use quick for any purchase

Always easy to use quick for any purchase Reviewed on: 9th June 2026

Very good option for fast online pay

Very good option for fast online pay Reviewed on: 9th June 2026

Easy to split large purchases over £100

PayPal credit makes it easy for me to split purchases of £100+ over 4 months Reviewed on: 9th June 2026

Brilliant

It is brilliant..I love the fact that when I buy online I don't need to filling details about my bank details..I just simply click PayPal.. and I know I am protected as well. Reviewed on: 9th June 2026

The perfect holiday budgeting tool

I have been using PayPal Credit for a few years now to help spread the cost of larger online purchases. The integration into the standard PayPal checkout makes it incredibly convenient and seamless to use at a huge variety of retailers. The 4-month 0% interest offer on purchases over £99 is an excellent feature that genuinely helps with budgeting and I use it for all my holidays! However, the main drawback is that the standard interest rate outside of promotional windows is quite high, so you have to be disciplined about paying it off on time. Overall, it's a solid, trustworthy retail finance tool. Reviewed on: 9th June 2026

Always been efficient and service is great

Always been efficient and service is great Reviewed on: 9th June 2026

Never had a probkem with paypal, so easy to use, ver...

Never had a probkem with paypal, so easy to use, very good interest rates on borrowing and always has 0 percent offers on. Been my go to lender and payment method for years! Haven't got a bad word to say about paypal! Reviewed on: 9th June 2026

Quick and clear

It was a quick decision with clear instructions and it's very easy to keep track of payments. I find it easy on the App to follow and the term and conditions are clear. Reviewed on: 9th June 2026

Just a really useful 0% credit scheme

I have been using this service for a few years, and the always available 0% interest option over 4 months is fantastic. Very helpful to talk to and no issues usually. Reviewed on: 9th June 2026

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