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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181113 reviews)

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4.73

Based on 181,113 reviews, last reviewed 9th Aug 2026

41% increase in 5 star reviews

in the past 90 days

57% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Impressed with the service and how easy everything w... Impressed with the service and how easy everything works. Thanks. Reviewed on: 9th August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181113)

PayPal is great

PayPal gives an opportunity to pay for things over a period of time without interest. Reviewed on: 23rd April 2026

Never had any issues - clear site and easy to...

Never had any issues - clear site and easy to use Reviewed on: 23rd April 2026

Always easy to pay and recieve with PayPal and to us...

Always easy to pay and recieve with PayPal and to use various accounts that you have with it now with a rewards programme too to reward your loyalty by using it too Reviewed on: 23rd April 2026

Excellent service, the best credit terms available.

Excellent service, the best credit terms available. Customer service is very clear and helpful. I use PayPal for everything! They make online shopping safe and easy. Reviewed on: 23rd April 2026

I used PayPal on shopping online

I used PayPal on shopping online Reviewed on: 23rd April 2026

PayPal credit review

Pros Easy to use within PayPal 0% interest for ~4 months on purchases over £99 No annual fee Flexible repayments Cons High interest (~23.9% APR) if you don’t pay in time Can charge interest on the full amount after the promo Late fees and credit score impact Weaker protection than credit cards Bottom line: Good for short-term spending if you pay it off on time — expensive if you don’t. Reviewed on: 23rd April 2026

Quick easier and secure.

Quick easier and secure.. money is safe and easy to access Reviewed on: 23rd April 2026

Useful information and handy to use as it's a good r...

Useful information and handy to use as it's a good record of who you have paid Reviewed on: 23rd April 2026

I wanted to share some positive feedback about your...

I wanted to share some positive feedback about your credit card services, particularly the option to split payments into instalments. This feature has been extremely helpful in managing my finances more effectively, allowing me to spread the cost of larger purchases without unnecessary stress. The process is straightforward, transparent, and easy to use, which I really appreciate. Reviewed on: 23rd April 2026

Great service exceptionally well

Great service exceptionally well Reviewed on: 23rd April 2026

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