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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171657 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 (171674)

Best, quick option for short loans.

Best, quick option for short loans. Reviewed on: 6th July 2026

With PayPal your set up for it

Hit does what it says Fantastic Bombastic Reviewed on: 6th July 2026

'Best Retail Finance Provider'

I recently had a great experience with PayPal Credit. On received a reminder offering. The process was incredibly quick—just a few clicks, and within about two minutes she was approved with no hesitation. I appreciated that it was clearly optional: if we didn’t take any action by the set date, the limit would simply stay the same. That gave us confidence to proceed without pressure. Very useful, and there was no complicated application or lengthy checks. Having the option to use a physical card is also very handy for everyday transactions wherever we are. Overall, PayPal made the process simple, transparent, and convenient. Thank you. Reviewed on: 6th July 2026

Never had a problem, easy to use.

Never had a problem, easy to use. Flexible options for paying too. Reviewed on: 6th July 2026

Very good thankyowhat more do you need

Very good thankyowhat more do you need Reviewed on: 6th July 2026

PayPal has really helped me spread the cost

PayPal has really helped me spread the cost Reviewed on: 6th July 2026

4 months 0% repeatable

Handy for my drone gear, camera lenses, and moto kit buys. The repeatable 0% for 4 months on £99+ purchases works well when I pay on time — spreads costs nicely without interest. Seamless at PayPal checkouts. Reviewed on: 6th July 2026

PayPal credit provides access to funds at reasonable...

PayPal credit provides access to funds at reasonable rates, easy to use and access. Easy to set up and track my usage in the app. Making this the default method of payment allows for quick transactions. Reviewed on: 6th July 2026

Great way to spend when sticking to repayment plan.

Great way to spend when sticking to repayment plan. Reviewed on: 6th July 2026

Flexible payments and spread the cost of more expens...

Flexible payments and spread the cost of more expensive purchases Reviewed on: 6th July 2026

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