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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th August 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 (181120)

Paypal credit excellent service

I have been a PayPal customer a good few years now and its always been Very good service. I've used PayPal credit a few times now & the experience has always been good especially the pay-in-three its great and also interest free. Which is very good when you need that little extra time and flexibility with making payments. Also the cashback is always good. Reviewed on: 30th June 2026

Simple and convenient to use

PayPal Credit has been easy and convenient to use. The application and payment process are straightforward, and it is helpful to have a flexible payment option when needed. I also like that everything is managed through my PayPal account, which makes it easy to keep track of purchases and repayments. As with any credit product, it is important to use it responsibly and keep an eye on repayment dates, but overall my experience has been positive. Reviewed on: 30th June 2026

PayPal credit

I don't use credit much but when I do I use PayPal easy and simple Reviewed on: 30th June 2026

I recently made a large purchase.

I recently had to make a large purchase, carpets for my whole flat, and used PayPal credit for the purchase. I used my PayPal credit card instore, they don't specifically accept PayPal but it worked with no issues at all. Reviewed on: 30th June 2026

Excellent credit options with an 0% interest option...

Excellent credit options with an 0% interest option on purchases for 3 months and widely accepted. Reviewed on: 30th June 2026

Easy to use good app fast paynents

Easy to use good app fast paynents Reviewed on: 30th June 2026

Made a Big Purchase Much More Manageable

Using PayPal Credit was surprisingly painless from start to finish. The application process was quick, simple and easy to follow, and everything worked exactly as it should. It also gave me the opportunity to buy a higher-cost item that would have been much harder to afford in one go, while spreading the cost into manageable payments. My bank account definitely appreciated not taking the full hit all at once! A smooth experience overall, and I’d happily use PayPal Credit again. Reviewed on: 30th June 2026

Safe and realible, and I trust the product

Safe and realible, and I trust the product Reviewed on: 30th June 2026

Take too much time to resolve the problem

Take too much time to resolve the problem Reviewed on: 30th June 2026

Apply for credit got it straight away

Apply for credit got it straight away Reviewed on: 30th June 2026

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