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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)

Excellent Rate

I’ve had a great experience using PayPal for some of my day to day spending, the interest rate is very reasonable and your not under pressure at any point in time. Reviewed on: 7th July 2026

Very easy to use.

Very easy to use. The 0% for 4 months for purchases over £100 is fantastic. I like that they give you the option of using a virtual card so that you can use it where PayPal isn't accepted. Reviewed on: 7th July 2026

Easy to use

Easy to use excellent service and when we don't have have enough money we can use PayPal later Reviewed on: 7th July 2026

go to for every purchase!

go to for every purchase! safe and reliable, easy to use. credit and pay in three are amazing additions too! Reviewed on: 7th July 2026

Excellent experience cannot fault it

Excellent experience cannot fault it Reviewed on: 7th July 2026

Easy to use and great service always there to help w...

Easy to use and great service always there to help when needed Reviewed on: 7th July 2026

I use PayPal for nearly everything and the credit fa...

I use PayPal for nearly everything and the credit facilities has helped me make some nice purchases Reviewed on: 7th July 2026

Convenient simple and trusted customer focused

Convenient simple to use and rewards and options of virtual or card also well known brand of trust protection of your money transactions good service Reviewed on: 7th July 2026

What can I say?

What can I say? I've been using Paypal for decades, back when it was tied with eBay and I'm still using it to this day. It was convenient then and remains a convenient product now. It has helped me spread the cost of items easily and with no fuss. It's intuitive, ubiquitous and always at hand. Reviewed on: 7th July 2026

Very simple, very convenient , very useful.

Very simple, very convenient , very useful. Reviewed on: 7th July 2026

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