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PayPal: PayPal Credit reviews

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4.90
Based on 106,762 reviews, last reviewed 14th May 2026
2579900% increase in 5 star reviews
in the past 90 days
7550% 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

Great option to spread costs No issues and convenient - great option for when you want to buy more expensive items Reviewed on: 14th May 2026
Anita M's avatar
Anita M

Latest lowest rating:

1

Customer service non-existent. Avoid. Customer service is impossible to find. When you do find it, the chat is never responded to (agent just left the chat). It also times out without tell... Read more Reviewed on: 13th May 2026
JWB's avatar
JWB
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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 (106762)

Convenient, Flexible, and Great for Short-Term Spending

5
I’ve had a very positive experience using PayPal Credit. The application process was quick and straightforward, and I got approved almost instantly. Once it was set up, it was very easy to use—especially since it’s already integrated into PayPal, so I didn’t need to carry a card or enter extra details when shopping online. What I found most helpful was the 0% interest offer on purchases over £99. It allowed me to spread the cost of larger purchases without worrying about extra charges, as long as I paid it off within the promotional period. This really helped me manage my cash flow better. The flexibility in repayments is another big advantage. I could choose to pay the full balance or just the minimum, depending on my situation, which gave me good control over my finances. Overall, PayPal Credit has been reliable, convenient, and easy to manage. As long as you stay on top of repayments, it’s a great option for short-term borrowing and online shopping. Reviewed on: 25th April 2026
mohamed osman's avatar
mohamed osman

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5
ghbnnnnnnnnn hjj jbb bbbbb vhb ghjj ghb Reviewed on: 25th April 2026
Vladimir 's avatar
Vladimir

Great experience

5
Good flexibility for payments, great app and good security Reviewed on: 25th April 2026
DiamondDigital's avatar
DiamondDigital

I have never had a bad experience and if any problem...

5
I have never had a bad experience and if any problems occur they deal with in a timely manner. Reviewed on: 25th April 2026
Marilyn Pinyoun's avatar
Marilyn Pinyoun

Great service and convinient way to pay, comes in ha...

5
Great service and convinient way to pay, comes in handy when you need to purchase Reviewed on: 25th April 2026
Adam D's avatar
Adam D

Never a problem using PayPal.

5
Never a problem using PayPal, even when talking to customer services, very polite and helpful as always. So easy to use the app . Reviewed on: 25th April 2026
Dave's avatar
Dave

Great Way to Shop

5
Great Safe way to shop using PayPal, any problems have been dealt with swiftly and I have no negatives to say. Reviewed on: 25th April 2026
Linzi S's avatar
Linzi S

Was able to have purchase protected on an item where...

5
Was able to have purchase protected on an item where I was getting messed about by a seller on eBay. After months of being messed around with a return credit I contacted Paypal and got they credited my account with the same amount. Reviewed on: 25th April 2026
Victoria A's avatar
Victoria A

PayPal is Excellent

5
PayPal has honestly changed my life. Makes online purchases so much easier and secure. Excellent credit options and rates. Excellent service. Reviewed on: 25th April 2026
George R's avatar
George R

I have been using PayPal for some years, it’s quick,...

5
I have been using PayPal for some years, it’s quick, easy and I am well satisfied with them, do most things with the app and if there is something I am not sure of I can easily check. Reviewed on: 25th April 2026
Anita W's avatar
Anita W

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