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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 91,201 reviews, last reviewed 1st May 2026
1864950% increase in 5 star reviews
in the past 90 days
10600% 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

Never had a problem using PayPal, it's quick and easy. Never had a problem using PayPal, it's quick and easy. Works well with my other accounts and is my go too account for buying and selling due to protec... Read more Reviewed on: 1st May 2026
AJ's avatar
AJ

Latest lowest rating:

2

PayPal Credit I had PayPal Credit and I was using it regularly. Each time it showed a payment due, interest was being charged without me fully realizing it and with... Read more Reviewed on: 1st May 2026
Reza 's avatar
Reza
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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 (91201)

Superb speed of transactions; simple easy to naviga...

5
Superb speed of transactions; simple easy to navigate website Reviewed on: 8th June 2024
Christine W's avatar
Christine W

Always with you

5
You can use your agi when you need it. You can quickly return when you want. Reviewed on: 8th June 2024
Nikolay S's avatar
Nikolay S

PayPal review

5
Features 1. **Flexible Financing Options**: PayPal Credit offers various financing options, including no interest if paid in full within 4 months on purchases of £99 or more. 2. **Integration with PayPal**: It integrates seamlessly with your PayPal account, allowing you to use it at millions of online stores where PayPal is accepted.. 3. **Easy Application Process**: The application process is straightforward and quick, often providing an instant decision. 4. **Purchase Protection**: Purchases made with PayPal Credit are covered by PayPal’s Purchase Protection, adding an extra layer of security. 5. **Mobile App Access**: Users can manage their PayPal Credit account via the PayPal mobile app, which is convenient for on-the-go account management. 6. **Special Financing Offers**: Occasionally, PayPal Credit offers special promotions and financing deals, especially during holidays or sales events. ### Drawbacks 1. **High Interest Rates**: If the balance is not paid within the promotional period, high interest rates apply, which can significantly increase the cost of purchases. 2. **Credit Check**: Applying for PayPal Credit involves a hard credit check, which can affect your credit score. 3. **Late Fees**: Missing a payment can result in late fees, which adds to the overall cost. 4. **Complex Terms**: The terms and conditions, especially around the promotional financing offers, can be complex and require careful reading to avoid unexpected charges. ### Conclusion PayPal Credit is a valuable tool for those who frequently shop online and want flexible financing options. Its seamless integration with PayPal and the interest-free period on purchases over £99 offer significant benefits. However, users should be mindful of the high-interest rates and potential fees if balances are not paid off within the promotional period. Overall, it is a convenient option for managing online purchases but requires careful management to avoid costly interest and fees. Reviewed on: 8th June 2024
MYL's avatar
MYL

I have good experience with peypall and I will recom...

5
I have good experience with peypall and I will recommend it to as many people as possible Reviewed on: 8th June 2024
Marius C's avatar
Marius C

love the fact that I can spread the cost over 4 mont...

4
love the fact that I can spread the cost over 4 months and its not just in one go Reviewed on: 8th June 2024
callum c's avatar
callum c

PayPal has excellent customer care service when it c...

5
PayPal has excellent customer care service when it comes to issues being resolved. The sort ou problems swiftly and rectify the issues. Reviewed on: 8th June 2024
Basiratu K's avatar
Basiratu K

PayPal and PayPal credit user.

5
PayPal and PayPal credit user. Simple to use app that allows you to pay businesses and friends and family really easily. PayPal credit helps to breakdown purchases (£99 plus) in installments at 0% interest for a few months or at the end of the month when I get paid. Brilliant. Reviewed on: 8th June 2024
JO's avatar
JO

I use it a lot to help with my spending to buffer it...

5
I use it a lot to help with my spending to buffer it out, and it’s very helpful Reviewed on: 8th June 2024
Serena v's avatar
Serena v

Really good way to purchase, exceptional customer se...

5
Really good way to purchase, exceptional customer service. Always helpful and reliable. I love shopping with PayPal. Secure, fast and you can obtain what you want and pay over time. Win win Reviewed on: 8th June 2024
Sharon T's avatar
Sharon T

It’s perfect for using to book holidays.

5
It’s perfect for using to book holidays. And things that you can’t pay for all at once. Flexible payment methods as well. Reviewed on: 8th June 2024
Marc 's avatar
Marc

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