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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 110,122 reviews, last reviewed 18th May 2026
2733550% increase in 5 star reviews
in the past 90 days
8050% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Fast, easy and transparent to use. Fast, easy and transparent to use. Rates are very reasonable as well. Repayments are easy in the app. Reviewed on: 18th May 2026
Charles M's avatar
Charles M

Latest lowest rating:

1

Taking credit limits off of people pushing their acc... Taking credit limits off of people pushing their accounts into debt is disgraceful Reviewed on: 18th May 2026
Stacey M's avatar
Stacey M
Read all reviews Write a review

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 (110122)

My experience with PayPal was very frustrating.

2
My experience with PayPal was very frustrating. I used PayPal Pay in 3 to buy three home items. One item, the bed, was missing for weeks and the seller did not respond. PayPal kept telling me to wait, so I asked my bank for a partial chargeback only for the missing bed. Later, the bed was found because it had been delivered to a neighbour, so I informed PayPal and agreed to repay the refunded amount. However, PayPal then took the full payment for all three items directly from my bank account again. After a long dispute between PayPal, the seller, and the bank, I still lost almost £60. Very disappointing experience and poor customer support. Reviewed on: 15th May 2026
Sandra 's avatar
Sandra

Complete peace of mind

5
Ive used paypal for a long time. I use it for the peace of mind. Reviewed on: 15th May 2026
MIcrowave of evil's avatar
MIcrowave of evil

Great Credit Option for Flexible Payments

5
I have had a good experience using PayPal Credit so far. It makes it easier to manage payments and split larger purchases into smaller monthly payments when needed. The application process was simple, and the account is easy to use through PayPal. One thing I like is being able to buy now and pay over time, especially for online shopping. The app and website are also straightforward to track balances and payments. The only thing to be careful about is making sure payments are made on time to avoid extra interest or charges. Overall, it has been useful and convenient for managing purchases. Reviewed on: 15th May 2026
Hassan M's avatar
Hassan M

I love paypal makes your life easier

5
I love paypal makes your life easier Reviewed on: 15th May 2026
ensola's avatar
ensola

The safest way to go

5
Always safe and secure and never had an issue for the last 14 years with any transfer, payment or dispute. Reviewed on: 15th May 2026
Ticu's avatar
Ticu

I use PayPal whenever I can as I find it a great way...

5
I use PayPal whenever I can as I find it a great way of paying Reviewed on: 15th May 2026
Kirsty M's avatar
Kirsty M

PayPal has a great way to pay for goods, Particularl...

4
PayPal has a great way to pay for goods, Particularly the difference options that come with it such as splitting payment monthly , PayPal credit although the High rate Reviewed on: 15th May 2026
EzraK's avatar
EzraK

I love that PayPal is so quick and easy to use, that...

5
I love that PayPal is so quick and easy to use, that the payment options are flexible and that it’s safe. Also, when I had a problem with a transaction the customer service team were really quick to respond and really reassured me. Reviewed on: 15th May 2026
Esther's avatar
Esther

Overall great service!

5
I’ve had a really good experience with PayPal Credit so far. It’s been super convenient for spreading out payments on bigger purchases, and the app makes everything easy to manage. Payments process smoothly, and the flexibility has definitely helped when budgeting. Overall, very happy with the service. Reviewed on: 15th May 2026
Lee W's avatar
Lee W

It’s a very easy way to pay 0% interest over 4 month...

5
It’s a very easy way to pay 0% interest over 4 months on a bigger purchase Reviewed on: 15th May 2026
David J's avatar
David J

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