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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (59578 reviews)

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4.90

Based on 59,578 reviews, last reviewed 12th Apr 2026

808200% increase in 5 star reviews

in the past 90 days

2700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

so easy to use and the app on phone so... so easy to use and the app on phone so good Reviewed on: 12th April 2026

Latest lowest rating:

1

Using PayPal Credit feels unnecessarily slow and fru... Using PayPal Credit feels unnecessarily slow and frustrating, especially in a digital age where transactions should be processed instantly. When I mak... Read more Reviewed on: 12th April 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 (59578)

Very easy to use and the couple of times I’ve had to...

Very easy to use and the couple of times I’ve had to contact customer services over the years, they’ve alway been very helpful, understanding and resolved any issues I’ve had with transactions. Reviewed on: 26th May 2025

Very helpful 0% interest over 4 years.

Very helpful 0% interest over 4 years. And the 4 month split is also excellent but they are not separate, so paying off one and not the other is impossible. Reviewed on: 26th May 2025

Handy interest free period to help with budget

It was great to avail of an interest free period with PayPal credit. Monthly statements and communication was clear so I didn’t miss a payment. Was also easy and quick to get hold of customer service when I had a query about repayment Reviewed on: 26th May 2025

Good customer service on phone if needed.

Good customer service on phone whenever an issue can not be resolved automatically. Reviewed on: 26th May 2025

all round an easy experience.

all round an easy experience. C0onveniant pay in 3 plus 0% on >£100 puchases for 4 months is good, although not without it's occasional failures in terms of what is considered as the original spend and legacy amounts. The APR is too high though. Linking with Amazon would be VERY useful. Reviewed on: 26th May 2025

PayPal credit

Easy for me to pay excellently Comfortable and clear payment is excellent. Reviewed on: 26th May 2025

Great credit provider.

Great credit provider. User friendly app, very satisfied Reviewed on: 26th May 2025

Always find payosl easy and fast to use

Always find payosl easy and fast to use Reviewed on: 26th May 2025

Long time user.

Been with PayPal for many years and have never had any problem with any transaction. Always easy to use and many more uses now than a few years ago. My go-to payment m. Reviewed on: 26th May 2025

Easy clear app.

Easy clear app. Everything you need is there Reviewed on: 26th May 2025

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