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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

Ease of use makes it a winner.

Ease of use makes it a winner. PayPal is linked to so many online shops and websites, making it easy to use, knowing you are protected. Reviewed on: 9th June 2026

Give you the freedom to spend more with zero to litt...

Give you the freedom to spend more with zero to little interest Reviewed on: 9th June 2026

Had a very good experience, no issues so far

Had a very good experience, no issues so far Reviewed on: 9th June 2026

Straightforward and fast.

Straightforward and fast. Simple to set up and manage easily online or via the app. Reviewed on: 9th June 2026

One of the best credit providers I have used in a lo...

One of the best credit providers I have used in a long time Reviewed on: 9th June 2026

I trust PayPal with my money!

I trust PayPal with my money! In a world of scammers it’s a security blanket! Reviewed on: 9th June 2026

Highly recommended to anyone who shops online and ne...

Highly recommended to anyone who shops online and needs the flexibility of credit and convenience Reviewed on: 9th June 2026

Reliable, perfect choice everywhere.

Reliable, perfect choice everywhere. Reviewed on: 9th June 2026

Fantastic

10/10 would recommend the company Reviewed on: 9th June 2026

Solid, interest-free flexibility for major purchases

I’ve been using PayPal Credit for a while now, and it’s become my go-to for handling larger, one-off purchases where I want to spread the cost without committing to a traditional store credit card. What I like: The 0% Interest Offers: The standout feature is definitely the "0% interest for 4 months on purchases of £99 or more." As long as you stay disciplined and clear the balance within that window, it’s essentially free credit. It has been a lifesaver for buying tech or unexpected household expenses. Convenience: Since it’s integrated directly into the PayPal checkout, you don’t have to hunt for a physical card or type in long card numbers. It’s a seamless "one-click" experience. Management: It’s easy to view my current balance and payment deadlines directly within the PayPal app or website. Reviewed on: 9th June 2026

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