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PayPal: PayPal Credit reviews

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4.90
Based on 99,640 reviews, last reviewed 6th May 2026
2252900% increase in 5 star reviews
in the past 90 days
6450% 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%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I like using the credit app , monthly payments I like using the credit app , monthly payments Reviewed on: 6th May 2026
Piasta T's avatar
Piasta T

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
Angharad L's avatar
Angharad L
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (99640)

Easy, flexible, affordable

5
I love PayPal credit- it gives me the opportunity to spread the payment of higher cost items over several months. I especially love that any purchase over £99 is interest free for 4 months! I already love and use PayPal a lot in my transactions so adding on PayPal credit is brilliant as so many places accept PayPal. Reviewed on: 8th July 2022
Zoe Woodley's avatar
Zoe Woodley

Good Experience using PayPal

5
It is easy to use and more convenient while using for online shopping. I also love to use it and highly recommend it to other people. Reviewed on: 8th July 2022
RAMEEZ RAJA KURESHI's avatar
RAMEEZ RAJA KURESHI

Great payment solutions

5
Had been using PayPal credit for over 5 years amazing ways of purchasing . Thank you so much Reviewed on: 8th July 2022
Luke Stars's avatar
Luke Stars

Wonderful

5
Makes paying back so much easier and affordable! Reviewed on: 8th July 2022
Chloe's avatar
Chloe

Excellent Idea !

5
PayPal credit has been so helpful for me, and easy to use. Excellent service. Highly recommended Reviewed on: 8th July 2022
MPrior 's avatar
MPrior

Transfer

5
Transfer or receive my payment in seconds. Very secure for online payments. Reviewed on: 8th July 2022
Ar Raheem's avatar
Ar Raheem

Best credit facilities offered e.g buy now pay later

5
Had a good experience with the services offered. Reviewed on: 8th July 2022
shick karakuza's avatar
shick karakuza

quick and easy

5
so quick and easy to use low rates and lots of places to use it Reviewed on: 8th July 2022
sarah wells's avatar
sarah wells

Best credit lender Ive used

5
Not only is it interest free for 4 months, it’s up to you how you pay it back. You can do 4 instalments, or set up weekly payment. Or random payments here and there. I’ve been using it for a while for bigger purchases, holidays and birthdays. And I haven’t had to pay any interest yet as I always pay everything off within the 4 months. Reviewed on: 8th July 2022
Jammy's avatar
Jammy

Great credit provider to date!

5
Really happy with the usability of the app and the 0% interest over four months on £99+ purchases! Reviewed on: 8th July 2022
Christopher Walker's avatar
Christopher Walker

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