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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (115141 reviews)

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4.74

Based on 115,141 reviews, last reviewed 27th May 2026

2965500% increase in 5 star reviews

in the past 90 days

8800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Always use it . Always use it . It's convenient and safe Reviewed on: 27th May 2026

Latest lowest rating:

1

Poor service. Avoid. I get fined for missing a payment. Why don't they remind me the day I need to make the payment (or the day before). I have contacted them about this b... Read more Reviewed on: 27th 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 (115141)

Excellent service

Easy to pay back and brilliant service Reviewed on: 11th August 2022

Its excellent

I love PayPal credit because gives me flexibility on my payments Reviewed on: 11th August 2022

paypal credit

easy to set up the paypal credit, easy to pay for goods easy to settle up. Reviewed on: 11th August 2022

Excellent help when needed

Using Paypal Credit has been a godsend helping purchase things that are needed especially now times are tough and having that chance to pay back over a short period no interest is amazing Reviewed on: 11th August 2022

Amazing

PayPal are amazing credit users. The payback fee is very little and the Apr is very little too. I'd recommend this to everyone. Reviewed on: 11th August 2022

Great back up during tricky times!

Having PayPal credit has been great to use as a fall back during those tricky times. It has been easy to pay off and the interest rates are reasonable. Also great to have the option to set up a direct debit so you don’t forget repayments! Reviewed on: 11th August 2022

Wonderfully easy to use

Easiest credit card I’ve ever had. Just log in and pay! Reviewed on: 11th August 2022

Good idea but limited places to physically use it

Good customer service and experience but has a few downsides 1- direct debits come out 5 days after the say e.g had a dd due to leave the account on the 6 it left my acount account on the 11th 2-limited use to mainly major online retailers very few small businesses or shops use them hence limited market access 3 - you can't use it instore Reviewed on: 11th August 2022

Just simple and understandable

Credit system simple and clear app account is great and not confusing. Reviewed on: 11th August 2022

Thank you PayPal

Fantastic service love PayPal and always do my transactions with PayPal Reviewed on: 11th August 2022

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