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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181140 reviews)

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4.73

Based on 181,140 reviews, last reviewed 3rd Sep 2026

14% decrease in 5 star reviews

in the past 90 days

4% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

So happy with PayPal credit ... It's been good having PayPal as an option to pay with PayPal credit. It's made life alot easier for me when I needed to budget and pay other essential... Read more Reviewed on: 3rd 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 (181140)

Great for emergencies

I love the fact it's there for an emergency or to give a breathing space to purchase something at the last minute. Used it twice last month to purchase gig tickets, only had to pay a third of the total then I'll have enough to pay in full at end of the month. Reviewed on: 6th July 2026

Good service.

Good service. No problem with service Reviewed on: 6th July 2026

It’s been generally good especially having not to pa...

It’s been generally good especially having not to pay interest fee on purchases above £100. For 4 months. I would also love if they can review credit limit for people more frequently other than waiting for ever Reviewed on: 6th July 2026

Only use if desperate

When I’ve had problems with retailers - PayPal has sided with the retailer and I have lost money. Reviewed on: 6th July 2026

I like to use the PayPal .

I like to use the PayPal .This site helps me shop online safely Reviewed on: 6th July 2026

Great Money

Easy payment method, reasonable interest. Make my purchases easy Reviewed on: 6th July 2026

Amazing service, I couldn’t fault any of it

Amazing service, I couldn’t fault any of it Reviewed on: 6th July 2026

it's easy to work with.

it's easy to work with. been useing for years now no problems Reviewed on: 6th July 2026

Very easy to use, straightforward and helpful.

Very easy to use, straightforward and helpful. Reviewed on: 6th July 2026

My life made easier with PayPal Credit

The process for applying for a credit card was straightforward, I was helped to understand the responsibilities involved in taking out PP credit. I’m very grateful for the four months interest free credit, it’s easy to keep a note on what I spend receiving texts for all payments, monthly statements and ease to log on and frequently check spending. Happy with the repayment process of setting up a regular DD or paying what I can each month. Reviewed on: 6th July 2026

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