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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,130 reviews, last reviewed 20th Aug 2026
9% increase in 5 star reviews
in the past 90 days
21% 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

Very good experience so far. Very good experience so far. Four months free interest deal it’s so good. Reviewed on: 20th August 2026
Israel M's avatar
Israel M

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
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews Write a review

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 (181131)

Protection and convenience

5
Has protected me over the years from various issues with retailers who haven't provided the goods or services as described. Makes it so easy to split payments for larger purchases too. Reviewed on: 2nd July 2026
Kermie_K's avatar
Kermie_K

good credit options but I wanted to change the email...

5
good credit options but I wanted to change the email address on my account and they won't lmk as it was attached to another account and they won't realise it (for no reason). do that is not great. Reviewed on: 2nd July 2026
elizabeth h's avatar
elizabeth h

paypal credit is awesome and affordable

5
paypal credit has always offered a great way to pay for things across multiple websites.with the cost of living high at the minute its a great way if you cant afford something then you can use paypal credit to spread the cost. Reviewed on: 2nd July 2026
glowsticks and whistles's avatar
glowsticks and whistles

My review of paypal credit

5
Paypal credit has been extremely useful for me over the years where I have needed to make last minute purchases, particularly if payday isn't too close! The website is easy to use and it is especially easy to make payments. The information on when the next payment is due, and how much is required to be paid, is very clear, and the reminders surrounding outstanding payments make it very simple for the borrower to understand what is required. The only thing I would improve are the interestrates, which are high across the industry, but Paypal Credit's rates are still better than many competitors. Reviewed on: 2nd July 2026
Bradley Pascall's avatar
Bradley Pascall

Fantastic service from beginning to end.

5
Fantastic service from beginning to end. Totally changed how I manage my money and customer service was so good when I needed to understand something, they were quick to help and did more than I expected Reviewed on: 2nd July 2026
Jon 's avatar
Jon

Excellent provider of credit when required.

5
Excellent provider of credit when required. No fuss, just available to make those everyday and special purchases fast and reliable. Reviewed on: 2nd July 2026
Ian's avatar
Ian

Very good experience and can count on oayoal always...

5
Very good experience and can count on oayoal always been there when I need help Reviewed on: 2nd July 2026
Jacqueline M's avatar
Jacqueline M

Happy customer !!.

5
Very simple to use and they sort any issues fast . Excellent . Reviewed on: 2nd July 2026
MATT NEELY's avatar
MATT NEELY

PayPal makes money payments easy, safe and secure wi...

5
PayPal makes money payments easy, safe and secure with a piece of mind attached to them Reviewed on: 2nd July 2026
John D's avatar
John D

5 Star Service

5
Always straight forward and on time. Never had a bad experience Reviewed on: 2nd July 2026
Jackie S's avatar
Jackie S

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