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PayPal: PayPal Credit reviews

4.73
Based on 139,237 reviews, last reviewed 15th Jun 2026
4066650% increase in 5 star reviews
in the past 90 days
11550% 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

high interest rate Really good way of keeping track of money and spending safely. Interest rate is very high though Reviewed on: 15th June 2026
Hayley G's avatar
Hayley G

Latest lowest rating:

2

Buyer protection is a myth Offered no buyer protection or support after I was ripped off by a watch company never followed up on the complaint I made about it. Reviewed on: 15th June 2026
Tom C's avatar
Tom C

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

Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (139237)

Perfect opportunity

5
I love paying by PayPal and split the payment Reviewed on: 11th August 2022

Great for spreading unplanned cost

5
I've always used PayPal credit when I needed something but could not get it because of not having enough cash. Spreading the cost over four months is amazing Reviewed on: 11th August 2022

Awesome

5
oh yeah this credit thing is awesome i think everyone should get it and pay for their snacks and stuff Reviewed on: 11th August 2022

Convenience for online shopping

5
I feel more confident shopping with paypal online and have made it my 'go to' credit account Reviewed on: 11th August 2022

The best credit card.

5
The best credit card I've ever used. Convenient, fast, affordable, secure. Help to solve problems with unscrupulous sellers. I have been with PayPal for about 10 years and I am not going to refuse. Reviewed on: 11th August 2022

Easy peasy

5
Easy to set up Easy to use Easy to pay back No stress at all Reviewed on: 11th August 2022

Love PayPal credit

5
So easy to use and loads of places online will accept so perfect Reviewed on: 11th August 2022

I love it

5
Everyday life changing just love it. Reviewed on: 11th August 2022

Amazing service

5
Have used many times and its great Reviewed on: 11th August 2022

Excellent service and worry free credit

5
Its a brilliant service that allows for worry free credit options and makes understanding credit easy and safe. Reviewed on: 11th August 2022

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review