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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181030 reviews)

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4.73

Based on 181,028 reviews, last reviewed 23rd Jul 2026

182% increase in 5 star reviews

in the past 90 days

231% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I had a problem obce with my account when someone el... I had a problem obce with my account when someone elses room over my account but i contacted agent from PayPal and everything was solved smoothly. Nor... Read more Reviewed on: 23rd July 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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PayPal PayPal Credit reviews (181030)

Reliable finance Option

I have been using PayPal Credit for over a year now, primarily for larger online purchases. The standout feature for me is the automatic 0% interest for 4 months on any spend over £99. It makes budgeting for costlier retail items incredibly straightforward and manageable. The integration into the standard PayPal wallet is seamless, meaning checkout is fast and I don't have to input card details every time. The main drawback is that the standard interest rate outside of the promotional window is quite high, so you must be disciplined about paying off the balance within the four months. Overall, it's a flexible and highly reliable retail finance provider. Reviewed on: 9th June 2026

Highly recommended

Service excellent when things go wrong and indeed when they don't! Had a problem with goods I had purchased, PayPal refunded within days. Reviewed on: 9th June 2026

Very easy to use service and app.

Very easy to use service and app. I enjoy the flexibility it gives with credit choices and pay in three. It's East to make payments and I think PayPal is a great service all in all Reviewed on: 9th June 2026

PayPal is easy to use.

PayPal is easy to use. Hassle free Reviewed on: 9th June 2026

no less than a life saver for me ...

Paypal credit has been no less than a life saver for me. In times i have been in need and stuck i have been able to provide for my family. My children have been able to have experiences i would not have otherwise been able to give them. Reviewed on: 9th June 2026

Useful free facilities such as Paypal Credit and Pay...

Useful free facilities such as Paypal Credit and Pay in 3 are very useful and easy to manage. Reviewed on: 9th June 2026

I feel my transactions are safe with PayPal.

I feel my transactions are safe with PayPal. There is also the pay in 3 options which are great with no interest. Points system to earn when spending. The app is easy to use and great for keeping up with spending and payments. Great! Reviewed on: 9th June 2026

Easy and higher secure ever every single transaction...

Easy and higher secure ever every single transaction and if any issue easy to dispute because there have very easy customer support Reviewed on: 9th June 2026

A very trusted brand with great support

A very trusted brand with great support Reviewed on: 9th June 2026

PayPal credit extremely useful

It has been useful for spreading the cost. Reviewed on: 9th June 2026

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