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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)

Good idea but limited places to physically use it

Good customer service and experience but has a few downsides 1- direct debits come out 5 days after the say e.g had a dd due to leave the account on the 6 it left my acount account on the 11th 2-limited use to mainly major online retailers very few small businesses or shops use them hence limited market access 3 - you can't use it instore Reviewed on: 11th August 2022

Just simple and understandable

Credit system simple and clear app account is great and not confusing. Reviewed on: 11th August 2022

Thank you PayPal

Fantastic service love PayPal and always do my transactions with PayPal Reviewed on: 11th August 2022

A massive help

PayPal’s credit service has been a massive help to me. It has allowed me to manage my payments better. Reviewed on: 11th August 2022

Free Freedom

PayPal credit allows customers to purchase the products or services they deserve. It is easy to use, very secure and can be easily managed. I would strongly recommend you give it a good shot. Reviewed on: 11th August 2022

Flexible payments brilliant

Great all round service especially the choice of how to pay !! Reviewed on: 11th August 2022

Very good service

I’m very happy to PayPal service Reviewed on: 11th August 2022

PayPal credit is a lifesaver

I can't recommend PayPal credit and PayPal in 3 enough. It has made online payments so much easier and stress-free. Reviewed on: 11th August 2022

Better than credit card

It really helped me in many situations that i could actually pay with Paypal Credit. Very grateful. Reviewed on: 11th August 2022

Spread the cost

Paypal make it easy to spread the cost over 3 equal payments interest free, it just doesn't feel like your in dept. Reviewed on: 11th August 2022

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