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PayPal: PayPal Credit reviews

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4.90
Based on 107,547 reviews, last reviewed 15th May 2026
2615850% increase in 5 star reviews
in the past 90 days
7600% 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:

5

Very easy to use and keep track of my money Very easy to use and keep track of my money Reviewed on: 15th May 2026
courtney h's avatar
courtney h

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th May 2026
Andrew White's avatar
Andrew White
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 (107547)

PayPal credit is very easy to use a lot easier than...

5
PayPal credit is very easy to use a lot easier than the banks. Pay in 3 is really great another option of having flexible payments is great. Reviewed on: 17th April 2026
Mohammed's avatar
Mohammed

PayPal is safe and efficient..

5
PayPal is safe and efficient with peace of mind that transactions are secure Reviewed on: 17th April 2026
Eve H's avatar
Eve H

My best friend

5
Paypal is my best friend because they've never let me down, always there when I've needed them, repayments affordable, statements easily understandable and customer services on hand when necessary. Definitely better than credit cards Reviewed on: 17th April 2026
Sunotts's avatar
Sunotts

Happy with my overall experience with paypal credit.

4
Happy with my overall experience with paypal credit. Reviewed on: 17th April 2026
Jack Steadman's avatar
Jack Steadman

Easy app to navigate, clear view of balance, stateme...

5
Easy app to navigate, clear view of balance, statements provided monthly, everything listed clearly and payment date taken when suits you Reviewed on: 17th April 2026
Emma Pilkington's avatar
Emma Pilkington

I've been able to build a credit rating from nothing...

5
I've been able to build a credit rating from nothing with PayPal finance. Their terms are no nonsense, fees are clear and it's easy to maintain Reviewed on: 17th April 2026
Simon G's avatar
Simon G

Paypal credit has helped me through my financial har...

5
Paypal credit has helped me through my financial hardship. I also like paypal because now they offer credit and debit card. Reviewed on: 17th April 2026
Hareb A's avatar
Hareb A

Really helped me out

5
Really helped me out when I was struggling with money Reviewed on: 17th April 2026
Jamesdeary's avatar
Jamesdeary

Good experience happy with all features they provided

5
Good experience overall happy with all , always use when I need for something new i desire Reviewed on: 17th April 2026
Kristine 's avatar
Kristine

Great stuff!

5
Honestly, PayPal Credit has been a total lifesaver for my monthly budgeting. I originally signed up for a one-off tech purchase, but I’ve kept using it because the 4 months of 0% interest on anything over £99 is such a massive perk. It’s incredibly seamless—it just lives right inside my existing PayPal account, so there’s no digging for a physical card or dealing with a separate, clunky app. Being able to spread out the cost of bigger essentials without getting hit by inordinate amounts of interest is great. If you’re already using PayPal and want a bit more breathing room with your spending, it’s a complete no-brainer. Highly recommend! Reviewed on: 17th April 2026
Matthew S's avatar
Matthew S

Review PayPal: PayPal Credit now

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