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PayPal: PayPal Credit reviews

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4.90
Based on 79,399 reviews, last reviewed 21st Apr 2026
2636900% increase in 5 star reviews
in the past 90 days
7700% 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

Reliable, trustworthy, very rare and issue after man... Reliable, trustworthy, very rare and issue after many years. Reviewed on: 21st April 2026
Chris S's avatar
Chris S

Latest lowest rating:

1

Had enough will be ditching account. convenience paypal wins.. but with disputes its hit and miss and a miss can cost me a lot of money long term. recently not happy with disputes and the... Read more Reviewed on: 21st April 2026
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Gabe
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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 (79399)

Amazing clear service

5
I love paypal credit and the 4 month interest free period. The app allows visibility on the interest free period and shows clearly when charges will start along with warnings before the interest free end date. Reviewed on: 13th June 2022
Lucy 's avatar
Lucy

Easier and safer

5
I find PayPal credit a great way for buying more expensive items as youre covered in similar ways to a credit card should the worst happen. Easy to use, secure. Reviewed on: 13th June 2022
steve oswick's avatar
steve oswick

So simply stunning service

5
No one is trying to give you the hard sell, you use it, PayPal gives you all the options you need going forward with your purchase and that's that. Would recommend them to everyone. Reviewed on: 13th June 2022
David Brady's avatar
David Brady

Paypal saved me so many times

5
The amount of times that I could look to PayPal when I need to buy something over £100. With their 0% interest on 4 months free credit I was able to purchase a laptop for my studies when I needed it most. I could split the cost of things into instalments when it just wasn’t feasible for me to pay it all at one. It’s honestly such a life saver and I literally don’t know what I’d do without it anymore Reviewed on: 13th June 2022
Mohima Chowdhury's avatar
Mohima Chowdhury

Excellent repayment choices

5
From 0% interest to a choice of repayment options PayPal credit is second to none in my opinion. With the added protection and super fast help with a dispute, ensures that I have 100% trust in PayPal Credit Reviewed on: 13th June 2022
Susan Najeh's avatar
Susan Najeh

Easy to use and good value

5
Great to have a variety of credit options available at reasonable interest rates, and no physical card to lose! Reviewed on: 13th June 2022
Gill Meehan 's avatar
Gill Meehan

Definitely worth using

5
Very helpful when it comes to getting shopping I would definitely recommend it to everyone that doesn't use it, very easy to use and it's got good Apr rates Reviewed on: 13th June 2022
thomas hayward's avatar
thomas hayward

Great credit provider

5
I use PayPal credit on larger purchases through eBay, they offer a lot of interest free offer throughout the year… which is nice. They are also great at handling transactions, I wish every website used them. Reviewed on: 13th June 2022
bcthompson72@yahoo.co.uk's avatar
[email protected]

Market leader

5
Fantastic experience- easy to use and great customer service. Reviewed on: 13th June 2022
Alec Turner's avatar
Alec Turner

Easy, straightforward and clear

5
Credit was so easy to apply for, was approved and available very quickly and has been very clear in its terms. I also get regular emails with any changes or available offers. Reviewed on: 13th June 2022
Enternalrose88's avatar
Enternalrose88

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