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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (93192 reviews)

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4.90

Based on 93,192 reviews, last reviewed 3rd May 2026

1956350% increase in 5 star reviews

in the past 90 days

5600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Been using Paypal Credit facilities for a good while. Been using Paypal Credit facilities for a good while. Always at hand and great credit payment facilities . Reviewed on: 3rd May 2026

Latest lowest rating:

1

CS is just completely dismissive CS is just completely dismissive, and paypal has not proper automated way to raise issue either against digital products (the categories are laughable... Read more Reviewed on: 2nd May 2026

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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 (93192)

Excellent customer service

Paypal always make sure you get refund and the item is not as described. Reviewed on: 8th July 2022

Satisfying

Very satisfying ,good services, everything Reviewed on: 8th July 2022

Best rates

Easy to use and easy to pay , I prefer this system to my all credit cards that I already have Reviewed on: 8th July 2022

Fantastic facility if you can manage your money

I find the 4 months interest free option on purchases invaluable as it allow budgeting flexibility for those moderately expensive purchases. If you can plan to settle before the interest free period ends its a great way to manage your finances. I have purchased a lot of great equipment by availing myself of this facility. I always use the facility within my means so I can manage settling within the 4 month period. I will continue to use PayPal credit as long as this facility is offered. Reviewed on: 8th July 2022

Really simple way to spread the cost over 4 months

Signing up to PayPal credit was the best decision I have made in a long time. it's so convenient to use for online shopping and it lets you spread the cost of purchases over £99 over 4 months with NO interest. I was pleasantly surprised by the number of online stores which now accept PayPal credit, I have used it at ProCook, IKEA & Timberland. I would recommend PayPal credit to anyone who regularly shops online. Reviewed on: 8th July 2022

Excellent

So easy to use and lots of time to pay back interest free. Reviewed on: 8th July 2022

Great product great price

Very competitive price. Very easy to use. Very happy. Reviewed on: 8th July 2022

Customer support is golden

Had a few issues regarding payment deadlines and the customer support team have been extremely understanding and helpful. No bad experiences with PayPal as of yet! 10/10 Reviewed on: 8th July 2022

Easy to use and accessible

Really pleased, I find it handy to have and easy to use Reviewed on: 8th July 2022

Needs a little tweak

The ability to divide a purchase over 4 payments interest free is very handy. My only really issue is if you have multiple purchases you can’t decided which one is paid off and payments just get taken off both. So while I bought and appliance on the 4 month option but an eBay purchase offer of 12 months free I was clearing of the 12 month one faster that I wanted and had to pay more cash to clear the 4 month one. If this is sorted it’ll be great. Reviewed on: 8th July 2022

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