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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 140,113 reviews, last reviewed 15th Jun 2026
4106800% increase in 5 star reviews
in the past 90 days
11600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Easy to follow payment plans with reminders, an easy... Easy to follow payment plans with reminders, an easy way to afford things you normally wouldnt Reviewed on: 15th June 2026
Rebecca g's avatar
Rebecca g

Latest lowest rating:

2

Very confusing to operate, the date on which pre sch... Very confusing to operate, the date on which pre scheduled payments come out are never what you expect, when you send some money in to repay some of t... Read more Reviewed on: 15th June 2026
Zu T's avatar
Zu T
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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 (140113)

A direct debit failed once and it automatically affe...

1
A direct debit failed once and it automatically affected my credit score for years. Insufficient notification or chance to rectify. the portal is confusing and hard to make payments towards specific plans. Rates are high and random micropayments always coming out. Reviewed on: 9th June 2024
Marcus K's avatar
Marcus K

Really Useful

5
Really easy to use and helpful with purchases Reviewed on: 9th June 2024
CD's avatar
CD

Best Online Service!!

5
Using Paypal Credit is an easy and confident experience. The App interface is aesthetically appealing giving me quick, easy and immediate information about my credit. Reviewed on: 9th June 2024
Maxx P's avatar
Maxx P

Always been a pleasure using PayPal easy and efficient

5
Always been a pleasure using PayPal easy and efficient Reviewed on: 9th June 2024
Liam r's avatar
Liam r

Works ok,

4
Works ok, was confusing to use at first. Reviewed on: 9th June 2024
H R's avatar
H R

Overall, it’s a safe and useful way to pay

5
Overall, the customer services are good. You have to wait, but the humans on this phone have been fairly good at explaining how things work. The pay in 3 is what I use the most, that’s a brilliant way to provide credit but without huge risk. The main issue or improvement would be making it much clearer how credit works and is paid off. For example, customers cannot choose what to pay off - and I’m very organised yet can’t do this. It meant one month I had to double my payments to ensure I didn’t get charged interest. However, this was explained to me well by the support person on the phone, so now I’m more aware about the differences between 4 months at 0%, pay in 3 and eBay credit through PayPal, for example. Reviewed on: 9th June 2024
Daniel S's avatar
Daniel S

Always easy to make payments and other transactions...

5
Always easy to make payments and other transactions I always use PayPal when possible Reviewed on: 9th June 2024
John k's avatar
John k

Easy to use with lots of flexibility.

5
Easy to use with lots of flexibility. Payment options are excellent Reviewed on: 9th June 2024
Stephen M's avatar
Stephen M

It’s a convenient way to spread payments on larger p...

5
It’s a convenient way to spread payments on larger purchases. Reviewed on: 9th June 2024
Sarah L's avatar
Sarah L

Good experience overall

5
Good experience overall especially when contacting customer services Reviewed on: 9th June 2024
S A's avatar
S A

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