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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 50,806 reviews, last reviewed 29th Oct 2025
95% decrease in 5 star reviews
in the past 90 days
100% 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

Good start, but tell us a little more. Good start, but tell us a little more. Reviewed on: 23rd October 2025
Kyaw Lay's avatar
Kyaw Lay

Latest lowest rating:

1

I have used PayPal pay in 3 for aome time and i was... I have used PayPal pay in 3 for aome time and i was happy intil 2 months ago. When I ordered items from Debenhams I was informed that they will be 2 p... Read more Reviewed on: 29th October 2025
Maud 's avatar
Maud
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About this product

PayPal Credit is a virtual credit card.

PayPal Credit can be added to your PayPal wallet and is accepted at thousands of online stores. Your purchases are protected by PayPal’s 24/7 security and encryption. You also get Buyer Protection on eligible purchases.

PayPal Credit reviews help you find out what it’s really like to be a customer. If you’ve used PayPal Credit before, you can also leave a review and share your experience.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (50806)

Convenience at your fingertips

5
PayPal Credit is at a much higher level of convenience with its 0% interest if spending £99+ offer for months, not only that, it is probably the most fair form of credit for me personally with its 24.9% interest rate. Would highly recommend if you can find the use for it. Reviewed on: 8th July 2022
Fair4Cash1996's avatar
Fair4Cash1996

Easy fast system

5
Had a problem with a company and PayPal credit saved the day within minutes as I had to buy two computers within days. Fast easy decision and a variety of options. Saved christmas! Reviewed on: 8th July 2022
Rob campbell's avatar
Rob campbell

PayPal credit

5
Great company, been using for years. Like the flexibility with monthly payments for PayPal credit. Highly recommended. Reviewed on: 8th July 2022
Ornetsf's avatar
Ornetsf

Love it

5
Love PayPal credit. Easy to use. Love the different interest free plans to spread the cost. Especially with cost of living issues, I love using PayPal credit having the pace of mind that I can split the cost with no interest!! Reviewed on: 8th July 2022
Rebecca's avatar
Rebecca

PayPal credit

5
Easy to have what you want, when you want it. Simple application and easy to use. You don't pay exorbitant amounts of interest either. Keep up your payments and it all works smoothly. Reviewed on: 8th July 2022
Stan Milton's avatar
Stan Milton

Almost Perfect.

4
Used regularly with some great buy now and pay later options. My only gripe, hence the 4 starts, is that currently you cannot choose what installment you would like to pay manually. Reviewed on: 8th July 2022
Jason Wragge's avatar
Jason Wragge

Easy, simple & straightforward

5
Really easy way to spread the cost Reviewed on: 8th July 2022
Peter Magee's avatar
Peter Magee

Amazing service

5
Great service, make ms things easily affordable for families. Reviewed on: 8th July 2022
DavidsonManalang's avatar
DavidsonManalang

Super Easy and a god send at the moment!

5
Money is super tight and sometimes emergency spending is completely unavoidable. SO, Paypal credit has helped me out so much during the pandemic and still now during the money squeeze in the UK. I am able to payback monthly with very reasonable instalments and as I have been doing so well In paying back *again its set up automatically so its no stress* I was offered a larger credit limit and was able to feel even more secure in my finances! Would recommend :) Reviewed on: 8th July 2022
Sophie Allen's avatar
Sophie Allen

Very handy

4
Very handy, specifically interest free 4 months promotional period, less interest rate than others with same credit score Reviewed on: 8th July 2022
Sayedullah Shahid's avatar
Sayedullah Shahid

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