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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 140,596 reviews, last reviewed 16th Jun 2026
4128250% increase in 5 star reviews
in the past 90 days
11700% 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

seemless seemless and ability to make transcations without any worry . Reviewed on: 16th June 2026
Asha's avatar
Asha

Latest lowest rating:

1

It didn’t work! Clicked on PayPal credit but got charged all in one sum. Reviewed on: 16th June 2026
Linda's avatar
Linda
Read all reviews Write a review

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 (140596)

I use PayPal credit regularly for large purchases an...

5
I use PayPal credit regularly for large purchases and I live its 4 month interest free options and other promotions. Reviewed on: 3rd June 2024
Murray S's avatar
Murray S

So simple Very safe and easy to use

5
Very safe and easy to use no hassle and always prompt payment either way weather it be a payment or receiving payment also refunds are rapid as well Reviewed on: 3rd June 2024
Trevor Hutchinson's avatar
Trevor Hutchinson

Safety comes first

5
Feel secure ………that’s why when I see the PayPal sign …I know I am safe! Reviewed on: 3rd June 2024
Maggie 's avatar
Maggie

Very good, available for a lot of online shopping, e...

5
Very good, available for a lot of online shopping, each to use at checkout Reviewed on: 3rd June 2024
Mojisola B's avatar
Mojisola B

A great safe and fair minded company

5
I have used all the various payment services promoted by Paypal and found each one fitted my needs at the time of use. I have also used PayPal to mediate over the return of a sum of money from a disputed service provider with great success. PayPal offers a great range of payments as well as a fair arbitration umbrella for its customers. Reviewed on: 3rd June 2024
Ralph B's avatar
Ralph B

No problems at all with payments and refunds very ef...

5
No problems at all with payments and refunds very efficient and clear transactions Reviewed on: 3rd June 2024
Colin p's avatar
Colin p

PayPal credit has been incredibly useful for me espe...

5
PayPal credit has been incredibly useful for me especially since purchasing my first home. Having the extra money I could use for groceries and stuff for the house, it’s been a massive help Reviewed on: 3rd June 2024
Luke J's avatar
Luke J

they are fair and have been useful to use without fe...

5
they are fair and have been useful to use without feeling like they have lent to me irresponsibly, the way fees work seems fairer than other credit services Reviewed on: 3rd June 2024
cj m's avatar
cj m

Thumbs up from me!

5
I have never had any issues with PayPal credit, it makes my life easier, with every so often needing the credit. Reviewed on: 3rd June 2024
Chipyluna's avatar
Chipyluna

Great but must improve payment allocations

5
Great overall and so simple to use. The only thing I would love to see is an easier way to direct my payments when paying things off. This is a massive flaw and I know I am not alone in feeling this way. When given the option to have something interest free for 4 months, I want to know that I can make a payment directly towards that purchase before the deadline. I know I can call up but so many other companies have this built into the app. It feels like this has been massively overlooked, or deliberately left out in order to take advantage of those who are new to the app. Reviewed on: 3rd June 2024
Shelley G's avatar
Shelley G

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