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PayPal: PayPal Credit reviews

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4.91
Based on 56,317 reviews, last reviewed 7th Apr 2026
510400% increase in 5 star reviews
in the past 90 days
1400% 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

Paypal is the best Financial Flexibility - ​0% Interest offers is the best, also no annual fee. Buyer protection for purchases, widely accepted at many online stores. Reviewed on: 7th April 2026
Danny's avatar
Danny

Latest lowest rating:

1

Never again will I use PayPal credit I am writing to raise a formal complaint regarding the handling of a recent payment on my PayPal Credit account. I made a payment of £1301.36 with th... Read more Reviewed on: 7th April 2026
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Hus
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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 (56317)

Super

5
I really like that you get 4 months interest free if you buy anything over £99. Big help! Reviewed on: 2nd June 2023
CB's avatar
CB

Easy to use

5
PayPal credit is super easy to use, just clicking a button when you go to checkout. It’s also great on the app as you can check exactly how much is due to pay back and when, and can pay a bit more if you’re able at the tap of a button Reviewed on: 2nd June 2023
Jack's avatar
Jack

Paypal Credit is a Great Option and Easy to Use/Manage

5
I have to say that I have been a Paypal user for many years now but in the last 6 months found out about their Paypal Credit facility. This has been a very useful option as I dont have or want any other credit cards. I especially like the 0% on purchases for 4 months if spend over £99. I know that my purchase has a guarantee like a standard credit card but also may not straightaway have all the monies to pay off balance so good that I can choose to spread the cost should I wish too. Reviewed on: 2nd June 2023
Lee Reed's avatar
Lee Reed

Excellent

5
I’m happy to be with PayPal, great excellent service and I highly recommend to everyone Reviewed on: 2nd June 2023
Ismael Ouedraogo's avatar
Ismael Ouedraogo

PayPal Credit

5
Quick easy unbelievable 0% interest really helps out and encourages more use Reviewed on: 2nd June 2023
Brendan Firth's avatar
Brendan Firth

0% Time and Time again

5
Best credit card ever, where you get 0% for 4 month on every purchase over £99, best way to spread the cost without costing you anything Reviewed on: 2nd June 2023
Eclipse's avatar
Eclipse

Brilliant services

5
Excellent rates and service from friendly helpful staff Reviewed on: 2nd June 2023
Charles Burt 's avatar
Charles Burt

Paypal credit with 0% interest for 4 months on £99 purchases and above

5
Paypal credit with 0% interest is a game changer. It allows you to pay over time without incurring any additional fees Reviewed on: 2nd June 2023
Muhammed Rahman's avatar
Muhammed Rahman

Paypal Credit is fantastic!

5
Excellent option to pay large payments over a 4-month period at 0% interest! Reviewed on: 2nd June 2023
Sacha's avatar
Sacha

My reliable friend

5
Always at hand when needed. Has never let me down Reviewed on: 2nd June 2023
Jonas Asante-Appiah's avatar
Jonas Asante-Appiah

Review PayPal: PayPal Credit now

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