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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 72,977 reviews, last reviewed 17th Apr 2026
2043600% increase in 5 star reviews
in the past 90 days
5700% 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

Easy to use and access account. Easy to use and access account. Great you can get a virtual card Reviewed on: 17th April 2026
Megan R's avatar
Megan R

Latest lowest rating:

1

Breaching FCA rules to force interest charges ​PayPal is refusing to honor my legal right of appropriation under FCA CONC 6.4.2. I have provided funds and clear instructions to settle a 0% promoti... Read more Reviewed on: 16th April 2026
TA's avatar
TA
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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 (72977)

Easy to use and widely available

4
Easy to use and widely available from retailers Reviewed on: 8th July 2022
Marie's avatar
Marie

Best online money tool

5
There are many options to pay little interest on your purchases. Reviewed on: 8th July 2022
Pawel Kumik's avatar
Pawel Kumik

BRILLIANT!

5
PayPal is by far the best third party provider for payments and transactions. Their security when paying online, ease of payment, transfers to friends, family and businesses and credit option (plus pay in 4 months interest free) make them a market leader and I highly recommend them! Reviewed on: 8th July 2022
SL4Y_DEN's avatar
SL4Y_DEN

Quick and easy - a lifesaver!

5
Love the options to split purchases into 3 equal instalments, it really helps to spread the cost of smaller purchases. The 4 instalment plan for bigger purchases has also come in useful as well, it's far more beneficial than just putting it on a credit card that has to be paid off in full the following month Reviewed on: 8th July 2022
KatieJ's avatar
KatieJ

Simple and secure

5
Easy to set up easy to use and secure Reviewed on: 8th July 2022
David Tagg's avatar
David Tagg

The monthly statement very confusion people

3
Sometimes it come out the balance which is from nowhere but I still need pay, very very confusion me Reviewed on: 8th July 2022
Baiyi Zhu's avatar
Baiyi Zhu

PayPal and PayPal credit forever

5
PayPal has changed the way I pay for things in my life. It’s fully safe and I can purchase an item of my dreams while purchasing using PayPal credit or pay in 3. Also no high interests like most of all credit cards companies. Reviewed on: 8th July 2022
Ilmar 's avatar
Ilmar

Lifesaver

5
Every now and then you need something online but running short on cash PayPal is there with their 0% interest, which really helps. Reviewed on: 8th July 2022
Harun 's avatar
Harun

Best service

5
Love their interest free option for 4 months on £100 Reviewed on: 8th July 2022
Muhammad's avatar
Muhammad

Easy to use credit

5
Easy to repay using a direct debit. Simples. Reviewed on: 8th July 2022
Ade Beattie's avatar
Ade Beattie

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