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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180992 reviews)

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4.73

Based on 180,978 reviews, last reviewed 21st Jul 2026

224% increase in 5 star reviews

in the past 90 days

275% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Lots of payment options, easy to use and have great... Lots of payment options, easy to use and have great customer support Reviewed on: 21st July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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 (180992)

PayPal credit is fantastic

I’ve used PayPal credit before and it was very easy to set up. It’s a great option for spreading costs over a few months and much better than a costly bank loan Reviewed on: 7th July 2026

Easy to use, would ve good if could be used direct w...

Easy to use, would ve good if could be used direct with Amazon etc without need for card number Reviewed on: 7th July 2026

A brilliant way to spread your costs and easily managed

A brilliant way to spread your costs and easily managed Reviewed on: 7th July 2026

Convenient and handy to make quick payments

From the beginning of my credit with paypal it always seemed convenient and helpful to make quick payments. Reviewed on: 7th July 2026

I find PayPal credit easy to use as it’s available a...

I find PayPal credit easy to use as it’s available across many different retailers and the app allows me to monitor with ease. The interest rate is higher than I’d like so I don’t tend to use PayPal often, it’s more of a backup option. They also add on a late repayment fee of £12 whereas most other credit cards it’s £7 Reviewed on: 7th July 2026

Can easily be configured with shopping apps but not...

Can easily be configured with shopping apps but not getting offer for credit limit increase Reviewed on: 7th July 2026

I’ve had a good experience using PayPal Credit.

I’ve had a good experience using PayPal Credit. It’s easy to use, the application process was straightforward, and being able to spread the cost of purchases has been really helpful. The app is simple to manage, payments are easy to make, and everything has worked smoothly so far. Overall, I’m happy with the service and would recommend it to anyone looking for a convenient way to finance eligible purchases. Reviewed on: 7th July 2026

I use PayPal for a lot of my online purchases, as th...

I use PayPal for a lot of my online purchases, as they give me the security and confidence to safeguard me from being caught by bad sales or shoddy purchases, I have also used PayPal to receive payments, as again gives me confidence and security to know my money is safe. Reviewed on: 7th July 2026

Real time...

The only issue I have is it’s not real time banking like other providers Reviewed on: 7th July 2026

Just professional service with swift response to sol...

Just professional service with swift response to solve any enquiries Reviewed on: 7th July 2026

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