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PayPal: PayPal Credit reviews

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4.90
Based on 106,615 reviews, last reviewed 13th May 2026
2573150% increase in 5 star reviews
in the past 90 days
7550% 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

Convenient and flexible. Convenient and flexible. Also very easy to use Reviewed on: 13th May 2026
Gareth S's avatar
Gareth S

Latest lowest rating:

1

Customer service non-existent. Avoid. Customer service is impossible to find. When you do find it, the chat is never responded to (agent just left the chat). It also times out without tell... Read more Reviewed on: 13th May 2026
JWB's avatar
JWB
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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 (106615)

Reliable,

5
I have only positive experience with paypal in all areas Reviewed on: 8th July 2022
Gabriella Nagy Horvath's avatar
Gabriella Nagy Horvath

Easy to Apply and Use

5
Have found PayPal credit to be amazing and easy to use, always trust it is safe and secure at online check outs. Really help spread the costs over a manageable period and the 0% interest for 4 months is a fantastic bonus. Highly recommend over any traditional credit card. Reviewed on: 8th July 2022
Dan's avatar
Dan

Good choice

5
Incredibly easy and good choice. Works perfectly alongside with all other payment methods provided by PayPal for all online shopping needs Reviewed on: 8th July 2022
Mariusz Mickiewicz's avatar
Mariusz Mickiewicz

Best

5
Pay pal is flexible for me and I use it online Reviewed on: 8th July 2022
Nurudeen Salami's avatar
Nurudeen Salami

Good credit lender

4
Provide good deals on credit when needed Reviewed on: 8th July 2022
Callum Napier's avatar
Callum Napier

Everyone needs to have one

5
Like the service and better experience than the boring cards!! Love it and would highly recommend everyone has got one!! Reviewed on: 8th July 2022
Sudhakar Purushothaman 's avatar
Sudhakar Purushothaman

Amazing service

5
PayPal is amazing and it’s really helpful specially 4 month 0% apr . Well recommend for those who wants to build them credit history as well now a days 99% companies accept PayPal I believe so it’s a great opportunity to use this credit and pay back in small instalments every month. I’m very happy with PayPal Credit service and will recommend. Reviewed on: 8th July 2022
Repair zone's avatar
Repair zone

Financial Friend

5
PayPal Credit Helped me so many times when I required emergency purchases and had a limited balance in hand. At the time, PayPal Credit was like a good friend for helping me with my financial assistance. Reviewed on: 8th July 2022
Vishnugiri Gosai's avatar
Vishnugiri Gosai

It's so Easy and Flexible

5
Love Paypal credit and the 4 months to pay, unlike others gives reminders when payments are due and you can set payments up in advance, so easy. Statements are clear and tell you exactly when something has to be fully apid, fantastically transparent, it is my preferred way to pay for purchases over £100. Reviewed on: 8th July 2022
Carole Thorpe's avatar
Carole Thorpe

Best

4
Safe and secure transactions by using PayPal Reviewed on: 8th July 2022
Maria Meshhadi's avatar
Maria Meshhadi

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