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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174179 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.

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PayPal PayPal Credit reviews (174194)

Great credit option and regular increases

Great credit option and regular increases Reviewed on: 6th June 2024

Great experience, top notch Would recommend to m...

Great experience, top notch Would recommend to my friend's and family. Reviewed on: 6th June 2024

Very convenient l, easy to use, used friendly

Very convenient l, easy to use, used friendly Reviewed on: 6th June 2024

Good products and staff helpful

Good products and staff helpful and always sorted properly issues Reviewed on: 6th June 2024

Good when don’t have the money

It’s good when you don’t have the money right there and then but can be a pain with direct debit, it can ask be frustrating when it takes a day for them to take the money out of your bank account to actually pay off your credit Reviewed on: 6th June 2024

Good service, but sometimes little bit confusing

Good service, but sometimes little bit confusing Reviewed on: 6th June 2024

PayPal gives me the financial freedom to make more e...

PayPal gives me the financial freedom to make more expensive purchases and be able to spread the payments to suit my needs whilst being fully in control Reviewed on: 6th June 2024

It’s easy to use and manage.

It’s easy to use and manage. I always get details of each transaction. Reviewed on: 6th June 2024

A no cost way to spread costs

0% pay in 3 saved me when tyres were needed (surprise!!) and funds weren’t present. Laptop for my child also purchased at 0% and spread the cost of Xmas, making life much easier without adding to the overall cost. Reviewed on: 6th June 2024

Using my paypal for most of my purchases

Using my paypal for most of my purchases Reviewed on: 6th June 2024

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