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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 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 (181147)

I've been able to build a credit rating from nothing...

I've been able to build a credit rating from nothing with PayPal finance. Their terms are no nonsense, fees are clear and it's easy to maintain Reviewed on: 17th April 2026

Paypal credit has helped me through my financial har...

Paypal credit has helped me through my financial hardship. I also like paypal because now they offer credit and debit card. Reviewed on: 17th April 2026

Really helped me out

Really helped me out when I was struggling with money Reviewed on: 17th April 2026

Good experience happy with all features they provided

Good experience overall happy with all , always use when I need for something new i desire Reviewed on: 17th April 2026

Great stuff!

Honestly, PayPal Credit has been a total lifesaver for my monthly budgeting. I originally signed up for a one-off tech purchase, but I’ve kept using it because the 4 months of 0% interest on anything over £99 is such a massive perk. It’s incredibly seamless—it just lives right inside my existing PayPal account, so there’s no digging for a physical card or dealing with a separate, clunky app. Being able to spread out the cost of bigger essentials without getting hit by inordinate amounts of interest is great. If you’re already using PayPal and want a bit more breathing room with your spending, it’s a complete no-brainer. Highly recommend! Reviewed on: 17th April 2026

Easy to set up and use.

Easy to set up and use. I used it for a purchase of a phone and it could not have been simpler. It might be worth mentioning that I don't do it for a long time and it's the only credit I use. But worrh it :) Reviewed on: 17th April 2026

No contact helpline anymore Ai is a very poor service.

No contact helpline anymore Ai is a very poor service. Bring back telephone helpline. Reviewed on: 17th April 2026

Exceptionally good

Excellent Toyota honda suzuki good Reviewed on: 17th April 2026

The only payment provider I have used that...

Paypal is the only payment provider I have used that offers protection for buyers Reviewed on: 17th April 2026

No notes, does everything I need

No notes, does everything I need Reviewed on: 17th April 2026

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