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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)

Nice limits, fair apr

Used PayPal credit a few times, the APR is fair and quite competitive. Reviewed on: 12th August 2022

Reliable and trust worthy

I rely on paypal ccredit as a backup to my money at the end of the month. At the end of the month on payday i pay off what i owe (if any) knowing i can trust and know that it has my back when i need it. Reviewed on: 12th August 2022

Handy to have.

Getting monies returned from some vendors. Reviewed on: 12th August 2022

Stress free use and hassle free

Used PayPal Credit to purchase a laptop and it has been a seamless and stress free experience throughout, from signing up to purchasing and the automatic payments. Absolutely loving it! Reviewed on: 12th August 2022

Super secure

Makes money transfer and purchases so easy and safe Reviewed on: 12th August 2022

PayPal has been a really good experience

I can now use up to £1200 of my credit account without interest and pay monthly which has been an excellent way to manage my money. I definitely recommend PayPal credit. Reviewed on: 12th August 2022

Amazing credit system

Very easy to use and change around to best fit your situation Reviewed on: 12th August 2022

Excellent!

Responsible lender and really flexible with customers especially during the difficult months of the Covid pandemic Reviewed on: 12th August 2022

Absolutely love it!

Being able to pay back in 4 months with no interest is super handy aswell as it being really easy to use! Highly recommend! Reviewed on: 12th August 2022

Easy to use

Very convenient and the service is straightforward Reviewed on: 12th August 2022

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