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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 133,114 reviews, last reviewed 10th Jun 2026
3787650% increase in 5 star reviews
in the past 90 days
10700% 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:

4

Very flexible and reliable service they provide Very flexible and reliable service they provide Reviewed on: 10th June 2026
Ayrton Donovan's avatar
Ayrton Donovan

Latest lowest rating:

1

PayPal don’t care about their customers and you will... PayPal don’t care about their customers and you will find yourself in persistent debt. It takes 10 working days for your repayments to show on your ac... Read more Reviewed on: 10th June 2026
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A a
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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 (133114)

Been with pay pal for some time , enjoyed flexibili...

5
Been with pay pal for some time , enjoyed flexibility of pay in 3, quick checkout with PayPal, and with pay pay credit I can pay over time with less interest Reviewed on: 13th May 2024
Ronald J's avatar
Ronald J

Perfectly sorted me out a few times.

5
Perfectly sorted me out a few times. Reviewed on: 13th May 2024
Adil T's avatar
Adil T

4 years costumer.

4
Very low credit limit during last 4 years.. APR a bit too high for UK residents Reviewed on: 13th May 2024
Adam Kamalski's avatar
Adam Kamalski

Convenient for spacing purchases when I'm squeezed.

5
I've found them convenient for spacing purchases that come up when I'm squeezed, particularly occasional urgent purchases such as when something breaks around the house, issues with my car or son's bike etc. Reviewed on: 13th May 2024
Smiler's avatar
Smiler

Great app very easy to use.

5
Great app very easy to use. The user experience is excellent from the ease of payment to keeping a track record of purchases and spending. There is also the benefit of flexible spending which allows you to budget for those larger spends. Spreading the cost over a number of payments, deffearing payment for 4 months interest free, to spreading the cost over longer interest free for those more expensive purchases. The control and flexibility is outstanding. Fully recommend to family and friends. Reviewed on: 13th May 2024
G T's avatar
G T

Wouldn’t give it a second thought to use again

5
So easy to use and never more than 30 seconds of effort to answer any of my questions. Used more times than i can count Reviewed on: 13th May 2024
Rob J G's avatar
Rob J G

Paypal credit has been very easy to use, can't fault...

5
Paypal credit has been very easy to use, can't fault it at all! Reviewed on: 13th May 2024
Sebastian's avatar
Sebastian

The One Credit Account I Won't Close!

5
I have had PayPal for years for when I would sell my clothes on eBay and loved the protection that they put it for potential issues on a marketplace site. Then I got PayPal Credit (about 5 years ago) and have been so thankful for the different purchase options which help me manage finances. Most recently, I my phone was pick pocketed whilst I was waiting on a train platform in London and was on a plane to North Africa the next day, thanks to PayPal Credit, I was able to pay for a new phone in full without the delay of saving for the unexpected expense or entering into a high interest credit agreement. I got it on 4 months 0% option and have finished the payments a month early. Another positive experience is when a stranger kept trying to do password resets on my account and send payment requests to me. I spoke with PayPal customer service and they guided me through step by step what I needed to do and resolve it. Finally another great experience is with refunds, I purchased from a UK seller, sent the returns back within the return window and they did not refund me or respond to my emails for almost 10 weeks. I spoke with PayPal customer service who opened the dispute for me when I was struggling and got my money back. I have already recommended them several times over, the only reason I give a 9 out of 10 is because payments take a while to debit and credit PayPal Credit when trying to make a statement payment. This is a user experience that could be improved Reviewed on: 13th May 2024
Pix's avatar
Pix

Great product

5
Just a great product easy to use and works well with your financial situation Reviewed on: 13th May 2024
paul s's avatar
paul s

Very easy to use, good service, can pay for a lot of...

5
Very easy to use, good service, can pay for a lot of stuff and not have to pay all in one Reviewed on: 13th May 2024
Neil W's avatar
Neil W

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