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PayPal: PayPal Credit reviews

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4.91
Based on 53,433 reviews, last reviewed 7th Apr 2026
243200% increase in 5 star reviews
in the past 90 days
900% 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

Safe and convenient when make payments. Safe and convenient when make payments. Reviewed on: 7th April 2026
Paan's avatar
Paan

Latest lowest rating:

2

Easy profit Just like any other lender, profit is the game Reviewed on: 6th April 2026
Luis M's avatar
Luis M
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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 (53433)

Best credit lender Ive used

5
Not only is it interest free for 4 months, it’s up to you how you pay it back. You can do 4 instalments, or set up weekly payment. Or random payments here and there. I’ve been using it for a while for bigger purchases, holidays and birthdays. And I haven’t had to pay any interest yet as I always pay everything off within the 4 months. Reviewed on: 8th July 2022
Jammy's avatar
Jammy

Great credit provider to date!

5
Really happy with the usability of the app and the 0% interest over four months on £99+ purchases! Reviewed on: 8th July 2022
Christopher Walker's avatar
Christopher Walker

Brilliant

4
With PayPal company all transactions are successful completion. Reviewed on: 8th July 2022
HUGUES TCHAKOUNTE KOUATOU's avatar
HUGUES TCHAKOUNTE KOUATOU

Execellent

5
Help with big shops as different payment offers incl pay in 3/4 with 0% interest Reviewed on: 8th July 2022
Mohamed Hisham Sorour's avatar
Mohamed Hisham Sorour

0% on purchases over £99 fantastic

4
Really simple and easy going - with almost all companies allowing you to pay via PayPal - their 0% interest on purchases over £99 is of great benefit to me Reviewed on: 8th July 2022
Borolad's avatar
Borolad

Very convenient

5
Great experience with affordable rate with good service Reviewed on: 8th July 2022
Deep Patel's avatar
Deep Patel

PayPal credit can't be beaten

5
PayPal Credit is most convenient credit provider nowadays. While majority of shops already got online shopping, there is no easier and safer way to manage your credit. It saved me so many times. And trust grows gradually with everyday use. Reviewed on: 8th July 2022
Tomas Bartasiunas's avatar
Tomas Bartasiunas

Outstanding

5
Great service, convenient, happy customer. Reviewed on: 8th July 2022
LUCAS98's avatar
LUCAS98

It helps me a lot ,,it give you interest free period which very important for me.

5
If I want to go abroad I don't need to worry to pay cash ,,just use my paypal credit and no interest for 4 months ,,as I hate paying interest . Reviewed on: 8th July 2022
Nasra 's avatar
Nasra

Love their effectiveness

5
I have used this service for a long time and O have never been disappointed, Wonderful service. Reviewed on: 8th July 2022
Major 1 Son's avatar
Major 1 Son

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