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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (94946 reviews)

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4.90

Based on 94,946 reviews, last reviewed 5th May 2026

2036950% increase in 5 star reviews

in the past 90 days

5900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Love using PayPal credit with 0%apr windows. Love using PayPal credit with 0%apr windows. Really helps manage bigger spends Reviewed on: 5th May 2026

Latest lowest rating:

2

I previously rated Paypal as a brilliant service and... I previously rated Paypal as a brilliant service and fantastic way of sending money to friends or family but of late had terrible experience. I keep p... Read more Reviewed on: 5th 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 (94946)

Brilliant for an unplanned purchase

PayPal is by far and away the best credit provider I’ve dealt with. If you have an unexpected outlay (say a new washing machine) which you can’t afford outright, you get four months of free credit! Far better than my credit card provider! Thank goodness for PayPal!! Reviewed on: 13th June 2022

Interest free purchases.

4 months interest free credit on purchases over £99. A great offer and it never expires. Reviewed on: 13th June 2022

Easy to use

Accepted everywhere and easy to manage Reviewed on: 13th June 2022

Easy

PayPal credit makes paying for large orders manageable. I don’t even use my credit card because PayPal credit allows me to pay back over four months no interest! Reviewed on: 13th June 2022

Good

I will recommend it to everyone Reviewed on: 13th June 2022

Paypal is safe and quick

You can buy pay 3 plan with no intersest! Reviewed on: 13th June 2022

Just Works and 0%

Just works and 0% for 4 months is perfect for those little bit bigger purchases Reviewed on: 13th June 2022

Great Service

The Paypal credit service is truly amazing. I use it a lot as the 0% interest over 4 months which is great. Reviewed on: 13th June 2022

Convenient

A useful line of credit with a manageable credit limit Reviewed on: 13th June 2022

PAYPAL CREDIT

It really helps with payments and spreading costs over 4 months with no interest. It’s very good and convenient. PayPal customer service very accommodating and easy going too! Reviewed on: 13th June 2022

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