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PayPal: PayPal Credit reviews

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4.91
Based on 57,288 reviews, last reviewed 8th Apr 2026
599200% increase in 5 star reviews
in the past 90 days
1600% 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

Secure and easy payments makes purchasing secure Secure and easy payments makes purchasing secure Reviewed on: 8th April 2026
Lancsneat's avatar
Lancsneat

Latest lowest rating:

2

Watch yourselves! Confusing when it comes to paying back. Not at all like other creditors. Funds do not immediately show, so you're sat there wondering when your paymen... Read more Reviewed on: 8th April 2026
TheAdmiral's avatar
TheAdmiral
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (57288)

I wish it wasn't so easily accessable, not your prob...

4
I wish it wasn't so easily accessable, not your problem but I just feel I spend more knowing the credit is there however the security is good knowing I have a back up if I need too. I have had to speak to customer service recently and they do really help you Reviewed on: 26th May 2025
Em's avatar
Em

Safe and Secure

5
I Would not buy half the things I buy online if it were not for PayPal . I feel safe and secure knowing that they have my back . Also make light work of buying things by not having to enter all my details every time I buy something . Should you have a problem it is sorted quickly and kindly brilliant service for online buying Reviewed on: 26th May 2025
Russ's avatar
Russ

Paypal credit is a great way to spread costs

5
Paypal credit is a great way to spread costs - I've used it as a way to take out a contract for my phone, but feel like I have much more control than with traditional phone contracts from O2 etc. In addition to this it is a great buffer when purchasing something you aren't sure if you need to return. Reviewed on: 26th May 2025
Cara K's avatar
Cara K

Perfect for safe online shopping

4
I use them all the time when buying things online, having an extra layer between my bank details and the shopping sites give me a good piece of mind. The pay in 3 feature is also handy when I want to spread a purchase out. Reviewed on: 26th May 2025
Joseph W's avatar
Joseph W

PAYPAL FOR ME

5
Always use PayPal ..great for pay I. Three and credit facility also… fab website.. everything easy even customer service if ever needed to contact Reviewed on: 26th May 2025
Carole's avatar
Carole

Provides safe and fast transactions online.

5
I have used Paypal credit for a number of year and it provides me with security and ease of payment. I make a lot of foreign purchases and paypal credit does not charge me a conversion fee to GBP. Very happy with the service. Reviewed on: 26th May 2025
Amar A's avatar
Amar A

Always been easy to use via app and to understand...

5
Always been easy to use via app and to understand Reviewed on: 26th May 2025
Lucy T's avatar
Lucy T

Paypal credit has honestly been a life saver for my...

5
Paypal credit has honestly been a life saver for my family. Becoming a single mother suddenly and only have one wage with no extra help paypal credit allowed me the opportunity to afford things when it just wasnt possible otherwise. It helped with unexpected costs like my tumble dryer when it burnt out, there would have been no way I could afford a new one without the help of paypal credit. It has honestly made my life easier and not so worrying now I have this there incase I need it and the opportunity to pay it back in realistic, affordable monthly payments. I would recommend it to anyone. Their costumer service is second to none and are always there to help and very friendly and understanding. Thank you. Reviewed on: 26th May 2025
Sophie T's avatar
Sophie T

Always there when I need a hand.

5
Always there when I need a hand. Helps out at the end of the month. Interest free. Reviewed on: 26th May 2025
Jo 's avatar
Jo

A great service!

5
It has been a really good service and I have used it for quite a few years now. Reviewed on: 26th May 2025
Mary G's avatar
Mary G

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