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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178165 reviews)

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4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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.

PayPal PayPal Credit reviews (178171)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Great for purchases with no interest added on top

Great for purchases with no interest added on top Reviewed on: 8th July 2026

Very easy to use and buy with confidence.

Very easy to use and buy with confidence. Good choice of payment option and a easy to use website to get up to date payment and balance information Reviewed on: 8th July 2026

I use PayPal whenever it’s available It’s quick, eas...

I use PayPal whenever it’s available It’s quick, easy & safe. The pay in three is a bonus too for more expensive purchases. Reviewed on: 8th July 2026

PayPal is so easy to use.

PayPal is so easy to use. The app is really well set out Reviewed on: 8th July 2026

Paypal has worked very well however I have been expe...

Paypal has worked very well however I have been experiencing a few issues linking bank accounts and in particular setting up a direct debit to pay my credit. This is something that continues to be a problem and paypal are unable to fix. This leaves a tisk of missing payments and adverse credit issues Reviewed on: 8th July 2026

Peace of mind

Always use PayPal where I can as it offeres peace of mind. Feel its secure. And when I've needed help, PayPal has helped. Reviewed on: 8th July 2026

A Little Flexibility Goes a Long Way

I've been really impressed with PayPal Credit. It's one of those things that you don't realise how useful it is until you start using it regularly. The **4 months' interest-free** option on purchases of **£99 or more** has been a real bonus. It gives me the flexibility to buy something when I need it, rather than waiting months to save up, without worrying about paying interest—as long as it's paid off within the promotional period. What I like most is that I'm in control. I can pay more than the minimum whenever I want, clear the balance early if I've got a bit of spare cash, or spread the cost over a few months if life decides to throw an unexpected bill my way. It's nice having options instead of feeling locked into one payment plan. Using it couldn't be much easier either. If a website accepts PayPal, checking out with PayPal Credit is quick and straightforward, and keeping track of everything in the app is simple. No hunting through paperwork or wondering where you stand. That said, it's not perfect. I do wish more retailers highlighted that PayPal Credit was available before you get to the checkout, as it's easy to miss. Also, once the interest-free period ends, the standard interest rate means it's definitely worth paying off eligible purchases within the four months if you can. Let's be honest—we've all spotted something online and thought, "I wasn't planning to buy that today!" PayPal Credit has rescued a few of those moments without making me regret them later. The catch, of course, is that it can make it a little *too* easy to click "Buy Now," so a bit of self-discipline still goes a long way! For me, it's become a genuinely useful financial tool rather than just another way to borrow. Used sensibly, it's convenient, flexible, and gives a little extra breathing space when you need it. No credit product is perfect, but this one has worked really well for me, and I'd happily recommend it to anyone who wants a simple way to spread the cost of larger purchases. Reviewed on: 8th July 2026

So far, so good!!

Paypal is very professional, helpful and very committed to what they provide! Reviewed on: 8th July 2026

Still the best option out there....

Paypals more recent commerce integrations (last few years) has made the process of utilising and paying for goods an absolute breeze, I believe they have got the user experience nailed in comparison to Visa & Mastercard (or other payment methods, which was essential, especially given new services like Affirm, Afterpay, and Klarna and hot of their tails. If you were a PayPal user before, there is no reason not to continue to be one, even more so with their card option. Reviewed on: 8th July 2026

Great service

I’ve had PayPal for quite some time now. I use the app often and I’ve never had any issues. The customer service (not used much!) has always been spot on. Thank you! Reviewed on: 8th July 2026

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