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PayPal: PayPal Credit reviews

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4.90
Based on 100,897 reviews, last reviewed 7th May 2026
2310500% increase in 5 star reviews
in the past 90 days
6750% 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%
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0%
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0%

Latest highest rating:

5

I have been using PayPal for several years now, and... I have been using PayPal for several years now, and it remains my go-to platform for both personal and professional transactions. The peace of mind pr... Read more Reviewed on: 7th May 2026
Fatmata B's avatar
Fatmata B

Latest lowest rating:

1

I always feel safe while buying with paypal. I always feel safe while buying with paypal. Reviewed on: 7th May 2026
Ann Westgarth 's avatar
Ann Westgarth
Read all reviews Write a review

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 (100897)

A Comprehensive Look at the Financing Option That Transforms Your Shopping Experience

5
Introduction: As an enthusiastic online shopper, I'm always on the lookout for flexible and convenient payment options. PayPal Credit caught my attention with its enticing four months interest-free offer for purchases over £99. In this review, I'll share my experience using PayPal Credit with this fantastic promotion, and how it has revolutionized my shopping endeavors. Seamless Application and Swift Approval: The application process for PayPal Credit was a breeze. As an existing PayPal user, I found it incredibly easy to apply directly from my account. After completing a simple form, I was thrilled to receive the approval notification within moments, along with the news that I could take advantage of the generous four months interest-free option on eligible purchases over £99. Empowering Flexibility: The four months interest-free offer provided me with the freedom to make more substantial purchases without the worry of immediate interest charges. This financial flexibility was a game-changer, empowering me to invest in higher-value items like electronics, furniture, and other essentials without compromising my budget. I could now plan and budget my payments over four months, allowing me to make the most of my purchases without any added stress. Seamless Online Shopping Experience: The integration of PayPal Credit with online retailers was seamless and convenient. During checkout, I could easily select PayPal Credit as my preferred payment method and proceed with my purchase effortlessly. This integration eliminated the need to enter card details repeatedly, saving me valuable time and ensuring a smooth and secure transaction process. Transparency in Terms and Conditions: I was impressed by the transparency of PayPal Credit's terms and conditions. The interest-free offer for purchases over £99 was clearly outlined, and the platform allowed me to track the promotional period and remaining balance with ease. This transparency helped me stay on top of my repayments and budget effectively, knowing exactly when the interest-free period would end. Convenient Payment Management: Managing payments with PayPal Credit was hassle-free. The platform offered various payment options, and I could choose to pay the entire balance before the promotional period expired or make smaller monthly installments. The flexibility in payment management allowed me to tailor my repayments according to my financial situation, making the experience all the more enjoyable. Outstanding Customer Support: Throughout my time using PayPal Credit, I had the opportunity to contact their customer support team on a couple of occasions. Each time, I was met with professionalism and efficiency. The representatives were knowledgeable, responsive, and resolved any concerns promptly, leaving me with a positive impression of their customer service. Conclusion: In conclusion, my experience with PayPal Credit's four months interest-free offer for purchases over £99 has been exceptional. This financing option has transformed the way I shop online, providing me with the financial freedom to make larger purchases without the burden of interest. From the smooth application process to the transparent terms and outstanding customer support, PayPal Credit has proven itself to be a reliable and empowering choice for savvy shoppers. If you're looking to make substantial purchases without incurring interest, I highly recommend giving PayPal Credit a try. Reviewed on: 8th August 2023
Fahad Zia's avatar
Fahad Zia

Life saver

5
During the current economic climate PayPal credit is a tool I can use smartly when I feel the pinch which helps financially navigate through difficult periods at no extra cost. I advise everyone to give it a go! Thank you PayPal! Reviewed on: 5th August 2023
Amaar's avatar
Amaar

Great Company

5
I am happy to give a positive review to PayPal Reviewed on: 4th August 2023
RaDu D's avatar
RaDu D

It is nice to do business with paypal

5
My experience is good with paypal credit with their offer Reviewed on: 4th August 2023
Lansana kebe 's avatar
Lansana kebe

Good

5
Good Reviewed on: 4th August 2023
Halil's avatar
Halil

good communication's with customer

5
Easy transaction went paying for goods. Reviewed on: 4th August 2023
John ledford's avatar
John ledford

Fast sign up, easy to understand the terms, and used on a majority of websites

5
I signed up for Paypal Credit for a little help in purchasing things over a long term plan or a short term pay in installments due to recieving disability benefits (which, unfortunately, don't cover just enough) and it's been wonderful being able to have a way to help pay for things that make life easier without having to worry about interest straight away or just the fact that you can't buy what helps because you just can't afford it. I recommend Paypal Credit highly. A lot better than another credit card company I won't name but was horrendous for how they handled switching their credit to another company's. Reviewed on: 4th August 2023
Meinfro's avatar
Meinfro

Always trustfull

5
Mosy secure way of payment,protect your money Reviewed on: 3rd August 2023
Denica Kirova's avatar
Denica Kirova

Excellent on going interest free payments.

5
I found that being able to spread payments over 4months on £100 spend (NTEREST FREE!), absolutely amazing and extremely helpful in the current climate. I just wish that all retailers would accept PayPal, most do, but there are many major players that don't! The most notable being amazon. Overall though I would wholeheartedly recommend PayPal especially for it's ease of use and convenience. Reviewed on: 3rd August 2023
Coco's avatar
Coco

PayPal is your pal

5
I vote PayPal as one of the best ways to pay for things it's really helped me also the pay in three no interest if you settle up within a certain time a lifesaver thankyou paypal Reviewed on: 2nd August 2023
donna johnson's avatar
donna johnson

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