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PayPal: PayPal Credit reviews

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4.91
Based on 55,847 reviews, last reviewed 7th Apr 2026
466900% 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

I always use PayPal to shop online - never had any i... I always use PayPal to shop online - never had any issues - I love to be offered the pay in 3 - brilliant for budgets! Reviewed on: 7th April 2026
Elaine G's avatar
Elaine G

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 (55847)

Want it Paypal it

5
Flexible safe and secure easy to use easy to contact and agents very helpful friendly and understanding it’s a win win Reviewed on: 2nd June 2023
Joey McCune's avatar
Joey McCune

Easy and affordable

5
Gives people chance to borrow money interest free for three months so it's perfect for purchasing things you need but things you can't afford to buy generally as it would be too much money in one go to sacrifice. I think it's a great way to build credit and the app reminds you how much your monthly repayments are as well as being able to pay off more if you want to. Reviewed on: 2nd June 2023
DLB's avatar
DLB

So easy to manage

5
Easy to manage, very helpful , been using PayPal for a number of years any queries are handled with ease. Reviewed on: 2nd June 2023
Lorraine McPaul's avatar
Lorraine McPaul

0% credit is a lifesaver

5
In these hard times of high inflation, a credit provider offering 0% credit for 4 months can be a lifesaver for struggling families. If your fridge freezer or washing machine packs up, spreading the cost of a new appliance can be vital to prevent one going into overdraft and incurring costly charges. I can't recommend them enough. Reviewed on: 2nd June 2023
Lawrence Newman's avatar
Lawrence Newman

Really easy to use and 0% if you spend over £100

5
No big surprises when the interest rate goes on. Easy to use to tide you over if you need something in an emu Reviewed on: 2nd June 2023
Gaynor Jenkins's avatar
Gaynor Jenkins

Great offer

5
4months interest free is hard to beat. Reviewed on: 2nd June 2023
Alan Ronan's avatar
Alan Ronan

Excellent options for paying over a specific time period

5
I love paypal and try to use it with every online transaction which I can. The added security and flexible payment options which are awarded are unbeatable. PayPal credit is excellent for the 0% interest if you pay it off over 4 months and there is other options like pay in three which I use frequently. Keep doing a great job PayPal! Reviewed on: 2nd June 2023
Sophie's avatar
Sophie

SAFE

5
AS A SINGLE MUM AM ALWAYS SCANNING THE INTERNET FOR DEALS, ALWAYS FEEL PROTECTED USING PAYPAL . AND WITH 4MONTHS FREE INTEREST ON THERE CREDIT ADDED BONUS.. Reviewed on: 2nd June 2023
A2F's avatar
A2F

PayPal Credit

5
Glad to have the opportunity to use PayPal credit it's one of the safest methods of paying for hoods online, offering protection and the option to pay in 3 payments and interest-free. Reviewed on: 2nd June 2023
Debbie dm's avatar
Debbie dm

Easy as 1234

5
The 4 months 0% interest has helped me with paying for larger items when money has felt tight. Reviewed on: 2nd June 2023
hannah bessant's avatar
hannah bessant

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