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PayPal: PayPal Credit reviews

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4.90
Based on 81,546 reviews, last reviewed 22nd Apr 2026
2836700% increase in 5 star reviews
in the past 90 days
8300% 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

Excellent choice of paying interest free over 4 mont... Excellent choice of paying interest free over 4 months, helps me a great deal when making larger purchases. Reviewed on: 22nd April 2026
Claire M's avatar
Claire M

Latest lowest rating:

2

Dispute not resolved I had dispute with seller, PayPal ignored my messages and closed the dispute in favor of the seller. Couple times I reopened dispute but after 12 hour... Read more Reviewed on: 22nd April 2026
Vadim's avatar
Vadim
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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 (81546)

PayPal simply makes life much easier.

5
PayPal simply makes life much easier. Totally hassle free. Reviewed on: 7th April 2026
Christine P's avatar
Christine P

Used PayPal for over 15 years and never had a problem.

5
Used PayPal for 15+ years and never had a problem. Go to method of online payment. Reviewed on: 7th April 2026
Laurie Kwiatkowski's avatar
Laurie Kwiatkowski

Quick easy and gives you peace of...

5
Quick easy and gives you peace of mind Reviewed on: 7th April 2026
loraine 's avatar
loraine

I had a very good experience using it.

5
I had a very good experience using it. I recommend it to everyone, the conditions here are very good. Reviewed on: 7th April 2026
Igor Venger's avatar
Igor Venger

PayPal Credit - Built For Real Life.

5
I’ve used paypall credit for a while now, and it’s completely changed how I think about using credit. Unlike traditional credit cards, which often feel clunky and full of small print, PayPal is refreshingly simple and built around how people actually spend online. The flex to spread payments, with interest-free options on larger purchases, makes it easier to manage my finances without that constant feeling of “catching up” that comes with many credit cards. Everything is visible in one place and easy to track. What really stands out is the added confidence from buyer protection so t’s not just about borrowing, it’s about feeling secure when you spend. Reviewed on: 7th April 2026
Emma Marley's avatar
Emma Marley

PayPal Credit has simplified my life enormously

5
PayPal Credit has simplified my life enormously due to their generous 4 months' interest-free facility for purchases over £100. I moved home this past year and it's been invaluable for helping me to spread the cost of some essential domestic purchases. Making sure to pay off all balances within the requisite timescale means I've also reaped the benefit of improving my credit score without even trying. I was previously using Pay in 3 for most purchases (and still do for a lot of things) but usingPayPal Credit for those Promotional interest-free Offers has allowed me to take just that little bit longer to pay, with nothing in the first month. Really useful when needing something urgently before my payday! Best of all, PayPalCredit is a regulated agreement under the FCA so if anything did go wrong, I'd be fully protected. Peace of mind - especially now I'm getting older ... Reviewed on: 7th April 2026
Penny P Incher's avatar
Penny P Incher

PayPal credit was easy to apply for and setup.

5
PayPal credit was easy to apply for and setup. Great way to manage your purchases. Reviewed on: 7th April 2026
Darren W's avatar
Darren W

Flexible payment plans, very generous credit limit,...

5
Flexible payment plans, very generous credit limit, easy to use anywhere Reviewed on: 7th April 2026
Marwa A's avatar
Marwa A

Excellent service throughout, easy transactions

5
Excellent service throughout, easy transactions Reviewed on: 7th April 2026
Kerry L's avatar
Kerry L

PayPal is always there when I need it

5
Always available and consistently easy to use Reviewed on: 7th April 2026
Jim B's avatar
Jim B

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