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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

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4.91

Based on 50,807 reviews, last reviewed 22nd Jan 2026

50% decrease in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

An unusually long interest free period A four month interest free period is almost unprecedented, except for six or 12 months interest free periods on specific items with larger retailers. ... Read more Reviewed on: 22nd January 2026

Latest lowest rating:

1

Pay pal - Has had my money held to ransom on all ord... Pay pal - Has had my money held to ransom on all orders placed for 120 days before they release any funds- We have been with Pay pal for several Year... Read more Reviewed on: 22nd January 2026

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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.

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PayPal PayPal Credit reviews (50807)

Excellent

love the fact that you feel safe using paypal, massive credibility Reviewed on: 8th July 2022

Very Trustworthy.

Excellent experience with PayPal, Straightforward and always available to help. Reviewed on: 8th July 2022

No interest for 4 months

Paypal credit is a lifesaver with it's no interest for 4 months when you purchase something more than £99 Reviewed on: 8th July 2022

Greatest credit provider in my opinion.

I'm using PayPal credit for more than 5 years and so happy for service company providing, especially 0% interest on 4 month repayment for purchases over £99.99 it's amazing. It's helped me and my family to spread our costs through this difficult times. Thank you PayPal Reviewed on: 8th July 2022

Fantastic way to pay

The option to pay in 4 without extra charge is fantastic - especially when funds may be tight or to help when something needs replacing. Reviewed on: 8th July 2022

Made payment Easy

Paypal credit has made my life easy. Now I have more time for payments to be paid. Reviewed on: 8th July 2022

Easy with payment reminders.

Very accessible and easy with frequent payment reminders. ++++ Reviewed on: 8th July 2022

Best and easiest way to pay!

Very secure and easy way to pay over a certain amount of time, notifications and updates are great to keep on top of payment! Reviewed on: 8th July 2022

Gave me credit when needed it .

PayPal for it was PayPal the one who granted me a credit line and that credit line would help the way for me to build a credit file. It was PayPal the one who trusted in me when the others failed me and they would reject me under their ridiculous excuses that there was not enough credit history in my file. Reviewed on: 8th July 2022

So helpful!!!

The PayPal credit helped me furnishing my new home. Without that financial help I couldn’t afford to buy all furniture. Reviewed on: 8th July 2022

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