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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171762 reviews)

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4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171768)

It works great

Use PayPal on regular basis and find it works great Reviewed on: 24th May 2024

Safe with PayPal.

Never been disappointed with PayPal.. I feel confident paying with PayPal, always safe and never vulnerable Reviewed on: 24th May 2024

I sometimes have to rely on paypal credit for larger...

I sometimes have to rely on paypal credit for larger purchases, repaying is easy and hassle free. Would highly recommend. Reviewed on: 24th May 2024

I quick turn back

I applied for it and it was successful, no rush it took just a few minutes. Liked it Reviewed on: 24th May 2024

I’ve had a great experience with PayPal credit, easy...

I’ve had a great experience with PayPal credit, easy to use, easy to access from my phone and it’s clear and user friendly. Reviewed on: 24th May 2024

I have used PayPal for 15 years and would highly rec...

I have used PayPal for 15 years and would highly recommend it. Reviewed on: 24th May 2024

Great option

I sometimes use this option and it allows me to reduce my daily costs. Reviewed on: 24th May 2024

Fast and easy application process

The application process is very easy and it’s fast. The credit is available within minutes and it’s very easy to use. Any website that has PayPal as payment will give that option of paying with credit. It’s very easy to set up payment plans. I only wish there was an actual card as well. Reviewed on: 24th May 2024

Overall good.

App works well and is quite intuitive. Credit approval process is efficient and streamlined. How they calculate outstanding balances and repayments on different credit products (eg. 4 months interest free purchase combined with a 24 month instalment plan) mixed together is not very clear. Reviewed on: 24th May 2024

It's helped with purchases that are expensive to me,...

It's helped with purchases that are expensive to me, giving me more time to pay off and interest free for 4 months. Reviewed on: 24th May 2024

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