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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

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4.73

Based on 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th 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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PayPal PayPal Credit reviews (181148)

Smooth, reliable, and great for larger purchases

I have been using PayPal Credit for a while now and it has been a very straightforward experience. The application process was quick, and the 0% interest offers on purchases over £99 are incredibly useful for spreading out costs. The payments integrate seamlessly with my regular PayPal account, making it very easy to manage. Highly recommend it for flexible shopping. Reviewed on: 9th June 2026

Seamless and secure

Seamless and secure payment method with good options for finance Reviewed on: 9th June 2026

Four months interest free, that’s the one for me!!

I love the option of three interest free payments which I use for smaller items. The four months free credit period is great as it gives me the ability to purchase items that I need but haven’t budgeted for, allowing me that extra time to save who and pay it off without incurring any additional expenses in interest fees Reviewed on: 9th June 2026

I use PayPal credit for all of my online purchases a...

I use PayPal credit for all of my online purchases and it works perfectly Reviewed on: 9th June 2026

Used credit for the pay in 4 no interest...

Used credit for the pay in 4 no interest Reviewed on: 9th June 2026

handy but not recommended

I get better rates via other providers like my bank Reviewed on: 9th June 2026

Safe way to pay every time always clear on checkout...

Safe way to pay every time always clear on checkout with verifications Reviewed on: 9th June 2026

Excellent

There just absolutely great, friendly and do all the help in any way Reviewed on: 9th June 2026

My experience of using PayPal for the last ten years...

My experience of using PayPal for the last ten years has been great, never had any issues whatsoever and support has always been spot on. Reviewed on: 9th June 2026

Easy peasy

Super straight forward and reliable experience, definitely helped me out when I've been in a pickle. I know plenty of people that use PayPal credit so I would recommend it to anyone really. Plus it gives you an option to choose your credit limit Reviewed on: 9th June 2026

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