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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 service

Excellent service at all times. Will definetly recommend. Reviewed on: 7th July 2026

Great having credit linked to my PayPal.

Great having credit linked to my PayPal. Easy to keep an eye on. Reviewed on: 7th July 2026

simple and quick when I needed to spread the payments

simple and quick when I needed to spread the payments Reviewed on: 7th July 2026

My direct debit never comes out on the date it says...

My direct debit never comes out on the date it says and then I get a message saying it hasn't been paid and when I look online it says nothing owed but yet I still get a 12 pound fine Reviewed on: 7th July 2026

good credit option

interest free credit for first 4 months was great with good security when transactions are made makes you feel secure when using it Reviewed on: 7th July 2026

Brilliant experience with PayPal Credit.

I've had a brilliant experience with PayPal Credit. It's incredibly convenient, and the 4 months interest-free option has been an absolute lifesaver for me on more than one occasion. It gives me the flexibility to spread the cost of purchases without worrying about paying interest, as long as I pay it off within the interest-free period. I recommend PayPal to my friends and family all the time and encourage them to route their payments through PayPal so they can enjoy the same great service and convenience that I have. It's easy to use, reliable, and has made managing my finances much simpler. I wouldn't hesitate to recommend PayPal Credit to anyone looking for a flexible and trustworthy payment option. Reviewed on: 7th July 2026

Great service providing safety to online buying.

Great service providing safety to online buying. Reviewed on: 7th July 2026

I like the perks that PayPal has introduced recently...

I like the perks that PayPal has introduced recently, including the the blue account with points. I have also used the PayPal pay in 3 few times and it is quite handy. Reviewed on: 7th July 2026

Really happy with PayPal services

Really happy with PayPal services Reviewed on: 7th July 2026

Was easy, very convenient, straightforward to do.

Was easy, very convenient, straightforward to do. I needed credit to help at month-end, the process took no more than 3 minutes and done. Will for sure consider using again. Reviewed on: 7th July 2026

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