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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 131,365 reviews, last reviewed 9th Jun 2026
3708400% increase in 5 star reviews
in the past 90 days
10550% 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

Working well and manageble using the app Working well and manageble using the app Reviewed on: 9th June 2026
Zoe B's avatar
Zoe B

Latest lowest rating:

1

card refused abroad i went on holiday to Spain and tried to pay for my apartment with my card and it was declined, it was only £380, it was very embarrassing and so i a... Read more Reviewed on: 9th June 2026
sarojo's avatar
sarojo
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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 (131365)

What makes PayPal credit one of the best online credits

5
PayPal credit is perfect for your choice in online credit options, it allows for flexible online spending without worrying about interest for 4 whole months. It’s perfect for the daily shopper and for larger purchases aswell. The only improvement they could make is the paying service, it does take a long time to pay in the money you owe and it can take a while for them to take money from your bank account. Reviewed on: 13th May 2024
Arnab s's avatar
Arnab s

It's there when I needed, no issues ,

5
It's there when I needed, no issues , Reviewed on: 13th May 2024
Krystian P's avatar
Krystian P

Great if you can pay off the balance within the 4 mo...

5
Great if you can pay off the balance within the 4 months which can really help with Christmas spending before it gets interest but obviously an extortionate percentage interest if you can’t. Found myself in that position recently due to illness & it was a nightmare trying to get to speak to someone on the phone. Got passed around 3 departments then got cut off. Haven’t tried again just muddled through! Reviewed on: 13th May 2024
LAL's avatar
LAL

Pay pal credit is stress free and so easy to use

5
Using Pay Pal credit is not only easy and stress free but it has helped me a lot. I was able to buy things I really needed and pay over time. For instance, when my buggy broke and I didn’t have the money to buy out right. I was able to still get one and pay over time stress free. Reviewed on: 13th May 2024
Louise p's avatar
Louise p

PayPal credit

5
Easy to use ,easy to control and understand. Reviewed on: 13th May 2024
JOO's avatar
JOO

Got physical

4
It’s pretty good, good there’s a physical card I can present at store, finally. Credit limit is rather small, or it’s, exactly not to big to not get tempted Reviewed on: 13th May 2024
Marek's avatar
Marek

Really convenient and easy to use.

5
Really convenient and easy to use. Reviewed on: 13th May 2024
Lucy's avatar
Lucy

Paypal review 5*

5
I use paypal for most of my online purchases. I feel very safe with it. I absolutely think it is the best payment method and wish more online services (such as amazon) would use PayPal check out. As far as pay pal credit goes, it really helps when things are a little tight, such as christmas or birthdays. It has been a life saver for me on many occasions! Reviewed on: 13th May 2024
Fern A's avatar
Fern A

PayPal review

5
It’s a flexible way to purchase things on a reasonable payment plan and a way to manage your money effectively. Taking advantage of the payment promotions are always a plus and allows you to set targets on meeting your repayments Reviewed on: 13th May 2024
Craige H's avatar
Craige H

A great service

5
Ease of use, great to spread the cost Reviewed on: 13th May 2024
DIANA S's avatar
DIANA S

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