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PayPal: PayPal Credit reviews

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4.90
Based on 72,556 reviews, last reviewed 16th Apr 2026
2004800% 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

Stress Free A Convenient and Reliable Way to Manage Purchases PayPal Credit has been a fantastic addition to my everyday spending. I love how seamless it is — no... Read more Reviewed on: 16th April 2026
Mel H's avatar
Mel H

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 (72556)

No fuss credit card

5
Enjoy interest free for four months anytime you spend £99+ and occasional promotion of spreading purchases over 36 months interest free. Simple and easy to use app. Can’t ask for more than that. Reviewed on: 13th June 2022
asarkwaku@yahoo.com's avatar
[email protected]

Couldnt be easier to use

5
You can pay with all your saved cards and accounts so never need to have any details to hand and they remind you to make payments just before they are due instead of other payment providers who encourage you to get charged Reviewed on: 13th June 2022
jemmamillman@gmail.com's avatar
[email protected]

Great service

5
easy to use, great service, would recommend Reviewed on: 13th June 2022
Sarah Mason's avatar
Sarah Mason

Easy to use flexible credit

5
I've been using PayPal Credit for a little over 2 years. Its easy to use and embedded in the checkouts of most ecommerce sites already. There are regularly interest free offers available making it a better long term product than bouncing between 0% promotions Reviewed on: 13th June 2022
Kientha's avatar
Kientha

Very happy with PayPal credit!

5
Applied for a new credit line with PayPal and purchased a few things that i needed for a while. Plus if i will repay the full ammount in 4 months i will not pay any commission for borrowing that money, wich is great! Thank you PayPal Credit! Reviewed on: 13th June 2022
radu danila's avatar
radu danila

Great help

5
And payment plans to suit what you can afford make it so much better Reviewed on: 13th June 2022
From the Eye of an Eagle's avatar
From the Eye of an Eagle

Great service

5
It's always there at the tap of the screen when you need it and it's so easy to use. There are repayment options and often some good deals, like 0% for 4 months etc. I have used it for a few years and think it's great. Reviewed on: 13th June 2022
Paul Hutchinson's avatar
Paul Hutchinson

Use it wisely to pay very little interest

5
Use it wisely to pay very little interest. Plan your larger purchases and take the 4 months no interest option. It’s better than any other credit card I know Reviewed on: 13th June 2022
nigel thomas's avatar
nigel thomas

0% for 4 months is excellent

5
Helps spread the cost of larger purchases but I can enjoy my purchases earlier than saving Reviewed on: 13th June 2022
Kingwynne's avatar
Kingwynne

So handy

5
Super convenient for spreading costs over months wether it be a few month or several years Reviewed on: 13th June 2022
Tom Vincent 's avatar
Tom Vincent

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