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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

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4.73

Based on 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 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 (181148)

A very easy way to spread credit

A very easy way to spread credit for an item Reviewed on: 6th July 2026

A good time, better than any main stream bank.

A good time, better than any main stream bank. It’s just a shame you can’t use it for everything Reviewed on: 6th July 2026

App is easy to use and reminders are a great support.

App is easy to use and reminders are a great support. Reviewed on: 6th July 2026

PayPal Credit - A lifesaver with a minor drawback

PayPal Credit has been a lifesaver when it comes to budgeting for large purchases. Instead of worrying about whether I can afford to make a purchase of a sizeable amount, I am able to pay in instalments and pay the exact same interest free. There’s also offers too sometimes which allow purchases to be made interest free if paid within a certain timeframe, sometimes as long as four months which also has been really useful. Only drawback though is that when instalments are taken from your direct debit, the date does not coincide with the date displayed on the website/app. Reviewed on: 6th July 2026

Safe, secure way of paying.

Safe, secure way of paying. I use it whenever I can. Reviewed on: 6th July 2026

PayPal is great, when you are struggling and strande...

PayPal is great, when you are struggling and stranded fanencially ,their credit can help ,their pay later system is just helpful Reviewed on: 6th July 2026

PayPal credit beginner

Never used PayPal credit before but it’s ideal for paying over 12 months for bigger items to spread the cost Reviewed on: 6th July 2026

Great service.

Great service. Good customer services. Great card to have Reviewed on: 6th July 2026

Quick and easy.

Quick and easy.. very easy to use app Reviewed on: 6th July 2026

Great option for spreading cost

Have used PayPal credit several times now with no issues. Would recommend for making those bigger purchases when you want to spread the cost. Reviewed on: 6th July 2026

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