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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181153)

Easy and great value

I love that I get 3 months interest free on every purchance over £100 Reviewed on: 13th August 2022

Easy

Great easy hassle free way to pay for items Reviewed on: 13th August 2022

Easy and simple credit that is in your control

I have always been very dubious about credit cards but pay pal is simple, easy to control and feels safer than other credit providers Reviewed on: 13th August 2022

Brilliant

Reliable, responsive, and used almost everywhere! It’s really helped during my first year being a mum! Reviewed on: 13th August 2022

excellent experience using PayPal

A very excellent experience using PayPal. Ease and speed of payment, as well as giving an opportunity to pay for four months without interest. I always advise friends to open an account with PayPal, and that can be used anywhere to buy online or by paying in transportation and others Reviewed on: 13th August 2022

Lifesaver

Has been a lifesaver and helped me transition from being in dire straights from covid and give me a bit of breathing space an ability to afford necessities. Great flexibility, be that for splitting a £100+ purchase up into 4 month interest free payments, to pay in 3 and having a low limit means I can have some control and not overspend my means. Reviewed on: 13th August 2022

A I recommend a very good offer good grade

I have recently had a paypal loan and I am really satisfied with the many loan options, everyone can choose something according to their budget Reviewed on: 13th August 2022

opinions

good good good good good good good good good Reviewed on: 13th August 2022

Credit rating improved because of PayPal

If it wasnt for PayPal Credit my credit rating would never have improved as I was unable to get credit anywhere else but because I use PayPal credit a lot and pay off on time my rating has improved significantly and any issues I have had with my account were resolved very quickly and courteously. Very simple to use, very simple to understand. The fees are there explained to you and they have really good lengths of 0% interest periods and ive used it anywhere I can use PayPal and they also regularly review your account and credit limit. They also have very clearly written options you can pick if youre having financial difficulty in repaying. They seem like a company that would rather have you as a long term customer and be able to work things out with you than lose you as a customer. I would definitely recommend their service to people (and have). The app makes it so easy to see whats going on with your account and set up direct debits etc. And they even warn you that you may be paying too much back in a period of time and that you have paid enough for that period of time. Overall very simple and very easy to use and understand. Very happy customer here. Reviewed on: 13th August 2022

Brilliant service

Very easy to use and manage. Helps because everywhere accepts paypal Reviewed on: 13th August 2022

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