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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 135,335 reviews, last reviewed 11th Jun 2026
3888600% increase in 5 star reviews
in the past 90 days
10850% 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

"I had"I've found PayPal Credit easy to use. "I had a very positive experience with PayPal Credit. The application process was quick and straightforward, and I received a decision almost instantl... Read more Reviewed on: 11th June 2026
Rajendrasinh T's avatar
Rajendrasinh T

Latest lowest rating:

1

Tried to use my PayPal credit card twice on both occ... Tried to use my PayPal credit card twice on both occasions the card was not accepted. Reviewed on: 11th June 2026
Haz's avatar
Haz
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 (135335)

Simple and helpful

5
Having it gives me peace of mind for when those unexpected items are needed. Never had an issues. Reviewed on: 8th July 2022
Annie's avatar
Annie

Perfect option

5
Amazing to have PayPal credit as an option for payments, especially in these very difficult times. It makes spending a little less of a headache and with manageable rates and payment options for repayment, it’s an awesome feature! Reviewed on: 8th July 2022
A. Albert 's avatar
A. Albert

Great

5
Very reliable and easy to use. Can be easily used across various shops online Reviewed on: 8th July 2022
Julie Abbott's avatar
Julie Abbott

Great credit service

5
I love the 3-month interest-free service for purchases and paying a purchase in 3 instalments. Reviewed on: 8th July 2022
Karlo Petrov's avatar
Karlo Petrov

Better than others...

5
Better than others because I get 4 months (and sometimes more, depending on the retailer offer) interest free. Reviewed on: 8th July 2022
Neetu Kahlon's avatar
Neetu Kahlon

Great service all the time

5
Paypal makes it so easy to pay for purchases. I love that you can spread larger purchases over time and also the buyers protection. Great service Reviewed on: 8th July 2022
adenike olukoa's avatar
adenike olukoa

Accepted for once :)

4
I'm happy with PayPal Credit as one of the few lenders that would actually accept me. It has really helped me with larger purchases I can't afford outright due to being on a low NHS wage. Reviewed on: 8th July 2022
Lucy W's avatar
Lucy W

Easy to use and excellent features

5
Paypal credit is easy to use and very clear on the terms and conditions. This makes it easy to stay in control of my finances when I might need a little help with a purchase. Reviewed on: 8th July 2022
Mark Jones's avatar
Mark Jones

Excellent credit facility

5
Paypal credit always comes in handy, with reasonable APR rates. Customer service when you need them is first class! Reviewed on: 8th July 2022
Yinka Oni's avatar
Yinka Oni

Excellent service

5
PayPal credit has come in handy and the service you get is amazing, would highly recommend Reviewed on: 8th July 2022
Barrie's avatar
Barrie

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