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PayPal: PayPal Credit reviews

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4.91
Based on 55,845 reviews, last reviewed 7th Apr 2026
466700% increase in 5 star reviews
in the past 90 days
1200% 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 Service and Clear Information Any problems are resolved quickly and the limits and terms are easy to see. You can setup automatic payments and see when payments are due in seconds. Reviewed on: 7th April 2026
Cal's avatar
Cal

Latest lowest rating:

1

It is very confusing to use the app, money takes day... It is very confusing to use the app, money takes days to clear. It doesn’t always appear to be accurate. Reviewed on: 7th April 2026
Annabelle's avatar
Annabelle
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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 (55845)

Amazing credit option.

5
I stumbled upon PayPal Credit, and it is the best credit option I ever had. Spend over £99 and pay interest free for 4 months. This works perfectly well for me. They send reminders regularly. I always look out for PayPal credit options when I make purchases online. I can't fault it at all. I recommend this, it is better than a credit card in my own opinion. Reviewed on: 31st July 2023
Evelyn S's avatar
Evelyn S

Good service

5
Easy to use and very secure in line Reviewed on: 31st July 2023
Geoffrey Nadin's avatar
Geoffrey Nadin

Pay in 4 months

5
Purchased my new laptop over four months. Interest free ! Can't fault it ! Reviewed on: 31st July 2023
I zonkyou's avatar
I zonkyou

Happy customer

5
Always easy to pay and keep track, the best online platform to review account and so much easier than other providers Reviewed on: 31st July 2023
Genna B's avatar
Genna B

Paypal credit is amazing. You get 0% for 4 months for any purchases made online over £99. The app makes it easy to remember when you have to repay back any of your facilities. It's convenient and easy

5
I have had paypal credit for a little over 4 years now. Application was easy and I have had credit limit increases yearly. The only down side is that you don't have a physical card. Reviewed on: 31st July 2023
Tayamika Kamwanja Zabula's avatar
Tayamika Kamwanja Zabula

4 months interest free option over £99

5
For a company to offer interest free credit over 4 months for purchases over £99 with no join up fee or small print clauses is truly remarkable. It makes those purchases that you may put off affordable. You also feel a high degree of security for purchases from outlets such as E- bay. I 100% recommend PayPal Reviewed on: 31st July 2023
Fred Watts's avatar
Fred Watts

Easy-going 4 months no free Interest

5
Unlike most providers, What I love about Paypal is that you have time to pay your payments for any purchases without having to pay interest within the 4 month mark and I am always paying within that time frame. And if you ever do need any help or anything the support desk is quick to get back to you Reviewed on: 31st July 2023
Sana _'s avatar
Sana _

Very nice and easy to use

5
Using PayPal credit card is easy and affordable free interest rate for the next 4 months. I recommend everyone to be part or join PayPal credit cards Reviewed on: 31st July 2023
Sam Paul's avatar
Sam Paul

Life saver

5
I was impressed on how quick and easy was to apply for PayPal credit. The option of 0% interest credit makes it more appealing for me personally. Reviewed on: 31st July 2023
Walid Ghachi's avatar
Walid Ghachi

Supportive and easy to use

5
Helpful service, customer friendly, and a very positive experience using it. Reviewed on: 31st July 2023
ilona's avatar
ilona

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