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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174446 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 (174454)

Brilliant service and customer service thanks

Brilliant service and customer service thanks Reviewed on: 2nd June 2024

I've been using PayPal Credit for a few years now, a...

I've been using PayPal Credit for a few years now, and I couldn't be more pleased with the experience. Here’s why I think it’s a fantastic service: PayPal Credit integrates seamlessly with my existing account, making managing my finances incredibly convenient. I use it wherever PayPal is accepted, which is virtually everywhere online—no need to carry an extra card or remember another set of login details. Setting up PayPal Credit was a breeze. The application was straightforward, and I received approval in no time. Once set up, using it is as easy as selecting PayPal Credit at checkout. The interface is user-friendly, and managing payments or checking my balance is a piece of cake through the PayPal app or website. One of PayPal Credit's most impressive aspects is its speed. From the instant approval process to the swift transactions, PayPal Credit ensures that you can make your purchases without delay. In summary, PayPal Credit is a highly convenient, easy-to-use, and quick solution for anyone looking to manage their online purchases more flexibly. I highly recommend it for its efficiency and seamless experience. Reviewed on: 2nd June 2024

Quick and easy to use.

Quick and easy to use. Issues resolved swiftly. Easy to track payments Reviewed on: 2nd June 2024

Super helpful.

Super helpful. They’ve always been really helpful when I’ve needed to contact them. Love the credit facility Reviewed on: 2nd June 2024

Paypal Credit

PayPal offers a very good credit limit and has the ability to set up a direct debit which makes it so much easier not having to worry about paying late. It is very simple and it’s my default payment on most online purchases. I would highly recommend. Reviewed on: 2nd June 2024

Useful and flexible, that is there whenever I need it.

Useful and flexible, that is there whenever I need it. It has helped me to make some emergency purchases, allowing me to spread the cost. It is a service that my brother also now uses, as I extolled the benefits to him. Keep up the good work! Reviewed on: 2nd June 2024

Really useful interest free credit with PayPal

I use PayPal credit to provide interest free payments over 3 or 4 months. I can therefore buy needed photo kit painlessly and access used equipment that ai would otherwise miss. Reviewed on: 2nd June 2024

Fast, convenient and clear; the service is effective...

Fast, convenient and clear; the service is effective and helps divide costs of purchase without charge for first 4 months, consistently. Reviewed on: 2nd June 2024

Absolutely wrong system when a payment gets refunded...

Absolutely wrong system when a payment gets refunded it doesn't cancel the same payment which is very confusing.. shame on the developer or the person director who did something like that Reviewed on: 2nd June 2024

Never had any problems, always simple to use.

Never had any problems, always simple to use. I’m really glad I have it there for when I need it. Reviewed on: 2nd June 2024

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