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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 57,517 reviews, last reviewed 8th Apr 2026
619900% increase in 5 star reviews
in the past 90 days
1800% 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

Always smooth with PayPal. Always smooth with PayPal. So easy to use and so many benefits. Would recommend to anyone Reviewed on: 8th April 2026
Beau m's avatar
Beau m

Latest lowest rating:

1

Rubbish.Klarna is a lot better. Rubbish.Old fashioned website.Misleading fees.Made it very difficult to complain and didn’t take it seriously when I did. Reviewed on: 8th April 2026
David C's avatar
David C
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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 (57517)

Allowed to big purchase amount in 4 monthly installm...

5
Allowed to big purchase amount in 4 monthly installments but I'm expecting more time like other credit cards given. Also, more frequent review to increase the credit limit as I'm using PayPal credit since long but still on same credit limit. Reviewed on: 26th May 2025
Khurram J's avatar
Khurram J

Excellent way of paying short term.

5
Excellent way of paying short term. Adds another level of protection to ensure you get what you've ordered. Easy to log in and to avoid paying interest. They appear to lend responsibly and they don't bombard you with unwanted emails or tempt you to spend more than what you need to. Reviewed on: 26th May 2025
Karen B's avatar
Karen B

It’s a quick easy way to pay...

5
It’s a quick easy way to pay for stuff online without having to get all your card out of your wallet to look for card details. Reviewed on: 26th May 2025
Maisie's avatar
Maisie

Trustworthy.

5
PayPal is Pretty good, they’re reliable and trustworthy. They have a good system for payment plans too. Reviewed on: 26th May 2025
Callum j's avatar
Callum j

Love the pay over 3 months option

4
Love the pay over 3 months option, love the security of it and the option to stop something that doesn’t look right. Reviewed on: 26th May 2025
Lorraine W's avatar
Lorraine W

I love PayPal and I have credit.

5
I love PayPal and I have credit. Makes checkouts feel safe and secure. Also when paying by PayPal Credits most fields are auto populated.such as your address. I have needed to call customer service sometimes and they have always been fast and efficient. Reviewed on: 26th May 2025
Rosey's avatar
Rosey

Competitive rate but does not provide a physical card.

4
Fairly competitive rate and good offers.Accepted in a good variety of places but does not provide a physical card. Reviewed on: 26th May 2025
Steve's avatar
Steve

I've been using PayPal for years, I've never had a b...

5
I've been using PayPal for years, I've never had a bad experience with them. Nothing but friendly polite service that always delivers great service. I've recently been using their credit service and as always its excellent. Reviewed on: 26th May 2025
Kallum L's avatar
Kallum L

PayPal Credit. Highly recommended

5
Credit is available on a wide selection of websites, flexible payment terms with reasonable interest payments. I would highly recommend to friends or family to spread the cost of larger payments. The app is very easy to use with biometric options for peace of mind. Reviewed on: 26th May 2025
Simon H's avatar
Simon H

I use Pay Pal all the time, whilst I don't use it al...

5
I use Pay Pal all the time, whilst I don't use it all the time, every time I do it's interface is easy to use. Yoj can chose from 3 options and the interest charges are reasonable. The app is clear and easy to use on your phone. Great service Reviewed on: 26th May 2025
Michael P York's avatar
Michael P York

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