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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (135736 reviews)

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4.73

Based on 135,736 reviews, last reviewed 11th Jun 2026

3906750% increase in 5 star reviews

in the past 90 days

10850% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use. Easy to use. Nice payment options. Versatile for business and personal transactions. Reviewed on: 11th June 2026

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

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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 (135736)

Best credit by far

Great credit app. Helps me along with the 4 months interest free service Reviewed on: 8th July 2022

Peace of mind

Since I got the PayPal credit I am literally free of mind about my purchases, no need to bother about interest rates any more, anything above £99 I am paying it within 4 months of interest free, I am loving it Reviewed on: 8th July 2022

Best of the Best

PayPal credit has changed my life. Before, I was so scared to shop for expensive essentials like a new washing machine, a top phone, a high end computer etc. I knew I could afford them if only I was offered enough time to pay for them. Then came PayPal credit with their flexible interest free credit for 4 months! My dreams came true! Reviewed on: 8th July 2022

Excellent and straight forward

I’ve never had any credit before and this has made the step into this world very easy and accessible. Reviewed on: 8th July 2022

Contemporary credit provider

PayPal credit is very easy to use (I.e. easy to make payments securely and easy to setup your repayments, very flexible). Customer service is 10/10 when you need support with any query. Reviewed on: 8th July 2022

PayPal credit

Really would recommend using PayPal credit. Once approved it is quick and easy and pretty much every online shops etc uses PayPal as an option to pay. 4 months no interest gives me a lot of time to pay off what I’ve bought and if I don’t do it within that 4 months, the interest for me is affordable. Love that each new purchase has its separate no interest Reviewed on: 8th July 2022

Excellent

Excellent services. Keep it going. Reviewed on: 8th July 2022

Wonderful credit

Excellent payment method , easy to use, confusing to increase credit limit Reviewed on: 8th July 2022

Secure and reliable!

One of the best payment provider. Can sort out all issues easily and very secure! Reviewed on: 8th July 2022

One of the best and easiest forms of credit available

PayPal is readily available on most retailers websites. It was a no brainier to apply for the PayPal credit. No real checks were done, easy to apply, decent amount of credit. What's there not to like about it??? Reviewed on: 8th July 2022

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