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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (99561 reviews)

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4.90

Based on 99,561 reviews, last reviewed 6th May 2026

2249250% increase in 5 star reviews

in the past 90 days

6450% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Extend your credit Allows me to spread payment. Easy to setup and administer. Reviewed on: 6th May 2026

Latest lowest rating:

1

Absolute scam It’s an absolute scam, they are not upfront about how and when interest will accrue especially on zero interest deals for a couple of months. Payments... Read more Reviewed on: 6th 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 (99561)

PayPal credit

Always there when I need it and super easy to pay off in instalments! They always do deals for 0% interest on some purchases too. Reviewed on: 8th July 2022

Great experience .

Very handy if you're looking quick 0% loan, definitely use it again. Reviewed on: 8th July 2022

First class service and provider

First class service and provider very easy to use and stay on top of . Reviewed on: 8th July 2022

Good service

Easily got it, and it helped the most Reviewed on: 8th July 2022

Excellent service in simple steps

PayPal Credit is the best way helping spread the cost of my purchase and giving me more time to enjoy summer moments with friends & family. Reviewed on: 8th July 2022

Easy to use

Easy to use, 4 months at 0% is perfect for me ans the app is very clear and easy to navigate Reviewed on: 8th July 2022

Great and flexible repayment plan

Absolutely flexible with 0% repayment for 4 months which helps to spread the cost across. Reviewed on: 8th July 2022

Really useful,everybody uses paypal

I got this paypal credit just to buy a few items but have had it for over 5 yes now ,everyone uses paypal and most companies do now,so easy to pay for things and its so secure,interest not too bad,good to pay for large items as you Don't need to pay any interest for 4 months Reviewed on: 8th July 2022

Good, but limited to online

PayPal credit was good for the things I needed it for but generally isn't a credit card you can take out on its own. The lack of a physical credit card or even the opportunity to use it online with merchants that don't use PayPal limit it massively. The £99 3 months repayment offers are very good however and I've made use of them multiple times. Reviewed on: 8th July 2022

It's very friendly & easy

The eBay is full safety all the time. All order quick, when I have a question I get answers very soon Reviewed on: 8th July 2022

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