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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174268 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 (174269)

Have used paypal credit for a long time now and it's...

Have used paypal credit for a long time now and it's so useful. I've purchased a laptop and 2 phones using it and it's saved me a lot of money versus a contract or store monthly pay scheme. Always easy to set up and so flexible - pay in 3 is great for midrange purchases that would be a bit too much for one go, bigger purchases usually have 12,24 or 36 month interest free deals. Been a great asset to have, can't recommend enough! Reviewed on: 1st June 2024

PayPal credit PayPal credit Safe and Convenient

PayPal credit is so convenient for me. I never have any problems and feel safe using it. Reviewed on: 1st June 2024

Overall very good.

Overall very good. I did encounter a problem when I changed the direct debit amount and there was no warning to say that it wouldn’t change in time and I would incur a fee. Reviewed on: 1st June 2024

Easy to use and manage account.

Easy to use and manage account. Allows you to spread the cost of more expensive purchases. Reviewed on: 1st June 2024

I like the simplicity and they intuitive user experi...

I like the simplicity and they intuitive user experience. Reviewed on: 1st June 2024

Would definitely recommend!

I have never had any isdies using this service abd queries have been dealt with promptly. Reviewed on: 1st June 2024

So easy to use

So easy to use, gives me time to pay for big purchases Reviewed on: 1st June 2024

Very easy to use , helpful information when payments...

Very easy to use , helpful information when payments are due so you don’t miss a payment, I use the service to buy tools for work and spread the cost easily, brilliant service Reviewed on: 1st June 2024

Really good system.

Really good system. Easy to manage in app Reviewed on: 1st June 2024

Always easy to use.

Always easy to use. Never had a problem with PayPal Reviewed on: 1st June 2024

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