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PayPal: PayPal Credit reviews

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4.91
Based on 57,193 reviews, last reviewed 8th Apr 2026
590200% 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

Overall, good Overall, good, but customer service cancelled be difficult to use. Reviewed on: 8th April 2026
RicD's avatar
RicD

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.

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PayPal PayPal Credit reviews (57193)

Seamless experience and very easy to use

5
Seamless experience and very easy to use Reviewed on: 26th May 2025
David M's avatar
David M

They often offer me numerous ways to pay with zero i...

5
They often offer me numerous ways to pay with zero interest and spread out payments. I love this and it allows me to make my money go futher but in a responsible manner. They have helped me resolve a con company and I got the money back. Reviewed on: 26th May 2025
Daniel 's avatar
Daniel

I’ve consistently found PayPal to be an essential to...

5
I’ve consistently found PayPal to be an essential tool in managing both personal and business finances. Its user-friendly platform, secure transactions, and flexible payment options make it the go-to choice for online purchases and money management. Whether it’s “Pay in 3,” seamless checkout integration, or buyer protection, PayPal delivers a level of convenience and trust that’s hard to match. Their commitment to innovation and customer support stands out in the retail finance space. PayPal empowers both consumers and merchants with tools that make financial decisions easier and more transparent. For reliability, flexibility, and continued excellence in retail finance, PayPal absolutely deserves the vote for Best Retail Finance Provider. Reviewed on: 26th May 2025
Bulent D's avatar
Bulent D

Been with paypal credit for years always had a brill...

5
Been with paypal credit for years always had a brilliant experience with them. Everything is very well communicated and the app is very easy and simple to use Reviewed on: 26th May 2025
Craig H's avatar
Craig H

Easy to pay but if you have late payment you are cha...

4
Easy to pay but if you have late payment you are charged £12. Reviewed on: 26th May 2025
Hajar's avatar
Hajar

Easy to use

4
Easy to use and informative. You can see what you owe and how much you need to pay for interest free payments. The payments come out monthly and all you need to do is log into PayPal to see your balance Reviewed on: 26th May 2025
Lisa m's avatar
Lisa m

Quick and easy to use

5
Quick and easy to use ,love the pay in 3.......... Reviewed on: 26th May 2025
barry p's avatar
barry p

Great service

5
Great service easy to use no hidden cost Reviewed on: 26th May 2025
Laura 's avatar
Laura

I have been using PayPal credit for many years and I...

5
I have been using PayPal credit for many years and I am very happy with the possibility of 0% credit. I highly recommend it. Reviewed on: 26th May 2025
Krzysztof K's avatar
Krzysztof K

A good balance

5
Great that I can use to transfer money to friends and family for no cost but can add extra protection for purchases at a low percentage of the purchase price. Reviewed on: 26th May 2025
Gemzx's avatar
Gemzx

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