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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168657 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th July 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 (168674)

Easy to use reliable very versatile and accessible t...

Easy to use reliable very versatile and accessible to many Reviewed on: 18th April 2026

Paypal Praise!

I use PayPal Credit for the large majority of transactions together with pay in 3. PayPal is so easy to use, so easy to use the app, and very easy to pay. 100% recommend paypal Reviewed on: 18th April 2026

Its the way to go can pay for anything with paypal a...

Its the way to go can pay for anything with paypal and if there is a problem you can get your refund Reviewed on: 18th April 2026

You help me buy garden table and chairs, very helpful!

You help me buy garden table and chairs, very helpful!! Reviewed on: 18th April 2026

PayPal perfect addition to my wallet.

PayPal credit is a fantastic way of spreading the cost without interest. It is very convenient and easy to use. I wouldn't be without it now. Reviewed on: 18th April 2026

Love PayPal

I feel safe when paying with PayPal Reviewed on: 18th April 2026

Helpful to get car back on the road in emergency

Was very important when needed to get my car back on the road asap by buying parts online. Gave me more time to pay back. One example 0% interest on first purchase was a new wheel. Reviewed on: 18th April 2026

Convenient for Short-Term credit use

PayPal Credit is convenient, but it comes with some important trade-offs. On the positive side, it’s very easy to use. Since it’s built into your PayPal account, you can select it at checkout and spread the cost of purchases without needing a separate credit card. The biggest benefit is the 0% interest for 4 months on purchases over £99, which resets on each qualifying purchase—this can be helpful for short-term budgeting. Overall, PayPal Credit works well if you’re organised and pay off balances within the interest-free period. But if you miss payments or carry a balance, it can become expensive quickly. It’s best used carefully, more like a short-term borrowing tool rather than long-term credit. Reviewed on: 18th April 2026

Good service I like credit and pay in 3 instalments

Good service I like credit and pay in 3 instalments Reviewed on: 18th April 2026

Got my credit card with no hustles and the physical...

Got my credit card with no hustles and the physical card few days later, timeous , excellent Reviewed on: 18th April 2026

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