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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174284 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th July 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.

PayPal PayPal Credit reviews (174299)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

A brilliant way to spread your costs and easily managed

A brilliant way to spread your costs and easily managed Reviewed on: 7th July 2026

Convenient and handy to make quick payments

From the beginning of my credit with paypal it always seemed convenient and helpful to make quick payments. Reviewed on: 7th July 2026

I find PayPal credit easy to use as it’s available a...

I find PayPal credit easy to use as it’s available across many different retailers and the app allows me to monitor with ease. The interest rate is higher than I’d like so I don’t tend to use PayPal often, it’s more of a backup option. They also add on a late repayment fee of £12 whereas most other credit cards it’s £7 Reviewed on: 7th July 2026

Can easily be configured with shopping apps but not...

Can easily be configured with shopping apps but not getting offer for credit limit increase Reviewed on: 7th July 2026

I’ve had a good experience using PayPal Credit.

I’ve had a good experience using PayPal Credit. It’s easy to use, the application process was straightforward, and being able to spread the cost of purchases has been really helpful. The app is simple to manage, payments are easy to make, and everything has worked smoothly so far. Overall, I’m happy with the service and would recommend it to anyone looking for a convenient way to finance eligible purchases. Reviewed on: 7th July 2026

I use PayPal for a lot of my online purchases, as th...

I use PayPal for a lot of my online purchases, as they give me the security and confidence to safeguard me from being caught by bad sales or shoddy purchases, I have also used PayPal to receive payments, as again gives me confidence and security to know my money is safe. Reviewed on: 7th July 2026

Real time...

The only issue I have is it’s not real time banking like other providers Reviewed on: 7th July 2026

Just professional service with swift response to sol...

Just professional service with swift response to solve any enquiries Reviewed on: 7th July 2026

Easy to apply

Very easy to apply and instant decision Reviewed on: 7th July 2026

PayPal debit card attached to my bank acco...

I use the PayPal debit card attached to my bank account to make purchases and earn cashback. PayPal 3 months interest free is also a winner, use it all the time. Reviewed on: 7th July 2026

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