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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (158478 reviews)

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4.73

Based on 154,578 reviews, last reviewed 6th Jul 2026

1452% increase in 5 star reviews

in the past 90 days

1727% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always find them extremely helpful and any issues re... Always find them extremely helpful and any issues resolved quickly Reviewed on: 6th July 2026

Latest lowest rating:

2

Ripped off by seller. Ripped off by seller. PayPal was zero use in getting any .money back. Would not use again. Reviewed on: 6th 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 (158498)

It's so useful to have this as a back up

If I need something I know I'd be allowed to pay for it after the holiday Reviewed on: 8th July 2022

Very easy and useful to use

Came at very crucial point and was so useful and helpful! Easy repayments and very understanding! Reviewed on: 8th July 2022

Brilliant no worries

So easy to use and they have your back if something goes wrong Reviewed on: 8th July 2022

Simple and helpful

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

Perfect option

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

Great

Very reliable and easy to use. Can be easily used across various shops online Reviewed on: 8th July 2022

Great credit service

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

Better than others...

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

Great service all the time

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

Accepted for once :)

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

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