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PayPal: PayPal Credit reviews

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4.91
Based on 58,373 reviews, last reviewed 10th Apr 2026
697800% increase in 5 star reviews
in the past 90 days
2400% 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:

4

Very good. Very good. Easy to use. All round helpful. Reviewed on: 10th April 2026
Rachael D's avatar
Rachael D

Latest lowest rating:

1

customer service full of cluless people When I contacted customer service via phone and chat to explain this misallocation, the agents were unable to understand the math, kept asking irrelev... Read more Reviewed on: 10th April 2026
Alex Calde's avatar
Alex Calde
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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 (58373)

Paying for holidays

5
I always use PayPal Credit to pay for my holidays so I can take advantage of four months interest free. I have recommended this method to my friends who are frequent travelers and they also think it’s excellent. I am going on a cruise and the financial freedom allowed me to upgrade my room to a balcony so thank you PayPal Credit. My next holiday is booked ! Reviewed on: 26th May 2025
Wendy C's avatar
Wendy C

Easy to set up and use

5
Easy to set up and use, informative would recommend and will continue using Reviewed on: 26th May 2025
Ellis's avatar
Ellis

Great for expensive purchases

5
I use PayPal regularly to either spread payments or pay later when I have large purchases to make. It helps when I need to place an expensive order but know I won’t be keeping all the items so I can use pay later and only pay for what I need/keep (as the refund goes back to PayPal rather than me pay upfront). I would not be able to do this without the interest free options available. It’s also easy to make payments to my account. Reviewed on: 26th May 2025
Laura C's avatar
Laura C

Always excellent service with helpful information an...

5
Always excellent service with helpful information and support Reviewed on: 26th May 2025
David M's avatar
David M

PayPal keeps you in control

5
Been with PayPal for years and have never had a problem The pay in 3 option and PayPal credit are excellent options to keep your credit under control and always keep you updated Reviewed on: 26th May 2025
Terry McCarron 's avatar
Terry McCarron

never no worries payying with Paypal

5
had a couple of problems over the years Paypal sorted them out within 24 hours Never a problem paying with paypal easy to contact easy getting any refunds I now only use paypal Reviewed on: 26th May 2025
colin w's avatar
colin w

Clear, transparent information.

5
Clear, transparent information, like that Paypal credit can be used at various outlets, such as TUI etc. Reviewed on: 26th May 2025
Rick Nicholson's avatar
Rick Nicholson

PayPal is an excellent

5
PayPal is an excellent way of utilitising credit, I find it for when buying on eBay and other things. I would recommend to anyone to use paypal Reviewed on: 26th May 2025
Marc d's avatar
Marc d

Easy to use, easy to pay and secure.

5
Easy to use, easy to pay and secure. I cannot fault PayPal and would highly recommend! Reviewed on: 26th May 2025
Alun P's avatar
Alun P

A little too handy to have!

5
Available at loads of different checkouts and handy to have. The app is good so it’s easy to pay off too. My only change would be that there’s no way to differentiate the different “pay off x by y date and pay no interest” so you end up missing the amount as it goes towards a different amount. Reviewed on: 26th May 2025
WNDexter's avatar
WNDexter

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