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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 132,394 reviews, last reviewed 9th Jun 2026
3755150% increase in 5 star reviews
in the past 90 days
10650% 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

Helps with boosting my credit score. I found it easy to use and makes big payments easy with the pay in 3 scheme. Reviewed on: 9th June 2026
Leroy P's avatar
Leroy P

Latest lowest rating:

2

Paid for an item that never came with proof from par... Paid for an item that never came with proof from parcel company and sellers instant chat but still didn't get a refund!!! Reviewed on: 9th June 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 (132394)

Quick and easy - a lifesaver!

5
Love the options to split purchases into 3 equal instalments, it really helps to spread the cost of smaller purchases. The 4 instalment plan for bigger purchases has also come in useful as well, it's far more beneficial than just putting it on a credit card that has to be paid off in full the following month Reviewed on: 8th July 2022
KatieJ's avatar
KatieJ

Simple and secure

5
Easy to set up easy to use and secure Reviewed on: 8th July 2022
David Tagg's avatar
David Tagg

The monthly statement very confusion people

3
Sometimes it come out the balance which is from nowhere but I still need pay, very very confusion me Reviewed on: 8th July 2022
Baiyi Zhu's avatar
Baiyi Zhu

PayPal and PayPal credit forever

5
PayPal has changed the way I pay for things in my life. It’s fully safe and I can purchase an item of my dreams while purchasing using PayPal credit or pay in 3. Also no high interests like most of all credit cards companies. Reviewed on: 8th July 2022
Ilmar 's avatar
Ilmar

Lifesaver

5
Every now and then you need something online but running short on cash PayPal is there with their 0% interest, which really helps. Reviewed on: 8th July 2022
Harun 's avatar
Harun

Best service

5
Love their interest free option for 4 months on £100 Reviewed on: 8th July 2022
Muhammad's avatar
Muhammad

Easy to use credit

5
Easy to repay using a direct debit. Simples. Reviewed on: 8th July 2022
Ade Beattie's avatar
Ade Beattie

great having PayPal credit

5
I’ve managed to purchase items I couldn’t afford and to pay back monthly, what more can one want. Reviewed on: 8th July 2022
Danny's avatar
Danny

Very good

4
I am really very happy about there 3 payment features. And also interest free credit for 4 months . Reviewed on: 8th July 2022
Kiran nadeem's avatar
Kiran nadeem

Good

5
Muy buena idea lo de la tarjeta de crédito Reviewed on: 8th July 2022
riwicaya@gmail.com 's avatar
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