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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 140,795 reviews, last reviewed 16th Jun 2026
4137150% increase in 5 star reviews
in the past 90 days
11700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

its there when you need help helped when i needed it the most and easy manageable Reviewed on: 16th June 2026
Jannine's avatar
Jannine

Latest lowest rating:

2

Often left without options to use features at checko... Often left without options to use features at checkout without explanation. The provider also closes dispute cases in favour of the seller by default ... Read more Reviewed on: 16th June 2026
Eric D's avatar
Eric D
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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 (140795)

Great for Budgeting with Pay in 4

5
PayPal Credit has been really useful and easy to use. The Pay in 4 feature is especially great, letting me spread the cost of purchases into manageable interest-free payments. The application process was straightforward, payments are clearly tracked in the app, and it helps with budgeting without any hassle. Highly recommended. Reviewed on: 13th June 2026
PL's avatar
PL

Honest, fast response in resolve issues

5
Honest, fast response in resolve issues Reviewed on: 13th June 2026
Fatmata C's avatar
Fatmata C

Never an issue.

5
Never an issue. Smooth as silk transactions Reviewed on: 13th June 2026
Leonard Eynon's avatar
Leonard Eynon

Simple process

5
I use PayPal regularly for online purchases and was offered a credit card presumably, due to that history.. I do not use credit cards as a rule but the apr on this card didn’t look out of step with other major suppliers, the initial credit limit was reasonable & 4 month interest free repayments on purchases >£99 made it appealing. The application process was very simple and speedy. Reviewed on: 13th June 2026
KJL's avatar
KJL

first class

5
only use PayPal for all my online shopping can not beat it first class Reviewed on: 13th June 2026
stephen's avatar
stephen

Excellent experience, easy to use and understand, us...

5
Excellent experience, easy to use and understand, used for many years and will continue to use Reviewed on: 13th June 2026
Daniel S's avatar
Daniel S

Excellent credit facility

5
PayPal Credit is brilliant for regular use. Spreading large orders over time at 0% has been a game-changer for budgeting, and checkout is seamless every time. Approval was quick, the app makes tracking payments effortless, and I never worry about hidden surprises. Highly recommend for anyone making bigger purchases they want to pay off gradually. Reviewed on: 13th June 2026
Stef L's avatar
Stef L

The app makes it speedy to check and pay in

5
The app makes it speedy to check and pay in Reviewed on: 13th June 2026
Charlie's avatar
Charlie

Good service

5
Not much more to add As I’ve noted above Reviewed on: 13th June 2026
Michael D's avatar
Michael D

An easy and fair credit system.

5
PayPal credit is a great and easily accessible service for both online and in person purchases. Highstreet banks will often force you to jump through many unnecessary hoops to qualify for a credit card with them but PayPal uses a much fairer and more respectful system. Reviewed on: 13th June 2026
SP 's avatar
SP

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