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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 79,624 reviews, last reviewed 21st Apr 2026
2658600% increase in 5 star reviews
in the past 90 days
7700% 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

The safer way to pay The main benefit to using PayPal is having a 3rd party handle your purchases insurers that if something goes round you have someone in your corner fig... Read more Reviewed on: 21st April 2026
Jamie c's avatar
Jamie c

Latest lowest rating:

1

Had enough will be ditching account. convenience paypal wins.. but with disputes its hit and miss and a miss can cost me a lot of money long term. recently not happy with disputes and the... Read more Reviewed on: 21st April 2026
Gabe's avatar
Gabe
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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 (79624)

All good very useful to have pay in 3 used it quite...

5
All good very useful to have pay in 3 used it quite a few times Reviewed on: 17th April 2026
Ms B's avatar
Ms B

Is PayPal Credit Worth It? My Take

5
I’ve been using PayPal Credit for a while now, and overall it’s been a convenient option for spreading out payments on larger purchases. The application process was quick and straightforward, especially since I already had a PayPal account. Once approved, it was immediately available as a payment option at checkout, which made things very easy. One of the biggest advantages is the promotional financing, like 0% interest for a set period on qualifying purchases. This can be really helpful if you’re disciplined about paying it off within the promotional window. However, if you miss that deadline, the interest can be quite high, and it’s applied retroactively, which is something to watch out for. The interface is simple and integrates seamlessly with PayPal, so managing payments and tracking balances is pretty intuitive. That said, customer support can sometimes be slow to respond, and resolving disputes or billing questions may take longer than expected. Overall, PayPal Credit is a useful financial tool if used carefully. It’s great for flexibility and convenience, but it requires responsible management to avoid high interest charges. Reviewed on: 17th April 2026
H K 's avatar
H K

I've been using PayPal credit for years now.

5
I've been using PayPal credit for years now. Its a really convenient way to pay for goods over short or long term credit. Reviewed on: 17th April 2026
Andy B's avatar
Andy B

Prefer to pay most things through paypal credit as i...

5
Prefer to pay most things through paypal credit as it is safe, quick and you able to pay in installments Reviewed on: 17th April 2026
Marshel's avatar
Marshel

0% interest for 4 months over £99

5
Use it quite often, recently purchased a new smartphone using PayPal credit Reviewed on: 17th April 2026
Aidan F's avatar
Aidan F

Good rates.

5
Good rates.. easy to access.. good offers and best security Reviewed on: 17th April 2026
Sufficient M's avatar
Sufficient M

Piece of mind with purchases

5
Easy to use and piece of mind with purchases Reviewed on: 17th April 2026
Gemma S's avatar
Gemma S

Always supported me with what I want or need.

5
Always supported me with what I want or need. Reviewed on: 17th April 2026
Deborah b's avatar
Deborah b

Very simple to navigate around the app

5
Very simple to navigate around the app Reviewed on: 17th April 2026
Amritpal Heer's avatar
Amritpal Heer

good for me

5
good perfect Reviewed on: 17th April 2026
amy W's avatar
amy W

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