Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145645 reviews)

View other PayPal products

4.73

Based on 145,629 reviews, last reviewed 27th Jun 2026

4357200% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Handy and easy So easy and flexible to use -makes budgeting a breeze Reviewed on: 27th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 2026

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (145645)

Helpful financial flexibility at my fingertips

PayPal Credit has been a reliable safety net for those months when unexpected expenses pop up. I love that the 0% interest offer isn't just for new customers—it applies to every purchase over £99 for 4 months. Managing everything through the PayPal app is very intuitive; I can check my remaining promotional balances and set up reminders in just a few taps. While the 23.9% representative APR (variable) is high if you miss a payment, the app makes it easy to stay on top of things. It’s a great tool for anyone who wants a bit more breathing room with their budget. Reviewed on: 16th April 2026

Fantastic!

Fantastic! Very easy to use and services are excellent Reviewed on: 16th April 2026

Good app easy to use prompt with payments

Good app easy to use prompt with payments Reviewed on: 16th April 2026

Pay in 3 and 0% for 4 months is very...

Pay in 3 and 0% for 4 months is very helpful Reviewed on: 16th April 2026

Paypal is so easy to use!

Paypal is so easy to use! 100% trust it! Love that i can use pay in 3. Reviewed on: 16th April 2026

Best interest free plans are amazing.

Best interest free plans are amazing. Recommend to all my friends and family. Very secure platform for making payments anywhere in the world Reviewed on: 16th April 2026

Paypal is excellent

Paypals security is excellent transactions are logged and easy to trace Reviewed on: 16th April 2026

It's easy to make payment anywhere it's also help to...

It's easy to make payment anywhere it's also help to transfer money to others and acceptable at any stores it gives credit as well for building credit score with good time to pay back u will say it very good Reviewed on: 16th April 2026

Good credit, use it on a regular basis and had it fo...

Good credit, use it on a regular basis and had it for years, would recommend Reviewed on: 16th April 2026

Makes larger purchases more attractive

The UI is very clear, and it is easy to manage. Your limit can be increased or decreased which shows and responsibility. You can pay 0% interest for the first few months which makes larger purchases more attractive. It is great as a planned borrowing tool. Reviewed on: 16th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 77001 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub