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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181119 reviews)

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4.73

Based on 181,117 reviews, last reviewed 12th Aug 2026

32% increase in 5 star reviews

in the past 90 days

47% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Straight forward Easy to use, no issues other than the rate after the promotional period. Reviewed on: 12th August 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 (181119)

I love the pay over 4 months interest free, however...

I love the pay over 4 months interest free, however rewards for points per pound could be better on the credit purchases Reviewed on: 4th June 2026

4 month instalment option is worth.

4 month instalment option is worth. Reviewed on: 4th June 2026

PayPal Credit and PayPal Pay in 3 with 0% Interest Rate

I have been using PayPal credit for major purchases such as laptops and mobile phones with a 0% interest rate on a 36 months repayment plan. I find it extremely easy to manage payments this way, which gives me the opportunity to buy items I couldn't afford buying prior to using such repayment types. There is also the pay in 3, meaning that the repayments need to be made in 3 equal amounts, with the first payment being taken at the time of the purchase. This repayment option also has the advantage to have a 0% interest rate and is extremely handy, in my opinion, for purchasing smaller/medium items. In addition, the only times I needed support, it wasn't just AI automated but an actual human being answering the phone. An absolute rarity these days! So, all in all, I would highly recommend any and all PayPal services and repayment options. Of course, one need to keep up by making payments on time like with any other repayment methods. Reviewed on: 4th June 2026

My review

Always approved for credit which is always great Reviewed on: 4th June 2026

PAyPal IS MY GO TO EVERYTIME

I’ve been using PayPal for years and PayPal Credit for the last 1 year, and both have made online payments stress-free. PayPal is my go-to because it’s fast, secure, and accepted everywhere. I love that my card/bank details stay private — I just log in and pay in seconds without typing numbers every time. Buyer Protection gives me peace of mind too. PayPal Credit is a game-changer for bigger purchases. The “Pay Later” options are clear upfront, and I’ve used the 6-month special financing on larger buys with zero interest when paid on time. No physical card needed — it works right inside PayPal at checkout. Approval was quick, and managing payments through the app is super easy with reminders. Between PayPal’s security and PayPal Credit’s flexibility, checkout is smooth and I feel protected as a buyer. Highly recommend for anyone who shops online. Reviewed on: 4th June 2026

I love the flexibility of PayPal credit.

I love the flexibility of PayPal credit. The breakdown of different categories of purchases has really helped me to manage my finances. For example having up to 4 months to pay for larger purchases means I can easily focus and pay off smaller retail purchases under £100. I love how accessible PayPal credit it being able to make purchases on most online retailers - even being able to book transport which can sometimes annoyingly cut into daily budgets - I appreciate being able to pay with PayPal credit. Reviewed on: 4th June 2026

Holiday payment

Used PayPal credit to pay for our holiday had 4 months interest free credit which enabled us to spread the cost into manageable chunks without paying interest. Also with the current fuel problems if the flight was cancelled it was easier to get a refund. Reviewed on: 4th June 2026

Excellent!

Excellent service, very impressed! Reviewed on: 4th June 2026

Easy to check out purchase and secure with MFA.

Easy to check out purchase and secure with MFA. Reviewed on: 4th June 2026

Always fast and easy to use.

Always fast and easy to use. I've never had any problems, so can't speak to how they resolve problems, but the interface is clear and I'm never stuck with how to do new things. Reviewed on: 4th June 2026

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