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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 133,438 reviews, last reviewed 10th Jun 2026
3802250% increase in 5 star reviews
in the past 90 days
10700% 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:

5

Always very helpful, constructive and patient. Always very helpful, constructive and patient. Nothing was too much trouble Reviewed on: 10th June 2026
Richard Redford's avatar
Richard Redford

Latest lowest rating:

2

Making payments has been fiddly and confusing. Making payments has been fiddly and confusing. I never miss payment so any other accounts but this one has been problematic Reviewed on: 10th June 2026
Lucy E's avatar
Lucy E
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 (133439)

Brilliant CS

5
On the couple of occasions that I have had a problem (not PP's fault) paypals CS have been amazingly efficient, sorting the problem immediately Reviewed on: 6th May 2026
Darlene T's avatar
Darlene T

Very easy to use, works on most platforms and intere...

5
Very easy to use, works on most platforms and interest free for 4 months is awesome. Try to use it wherever I can as it also offers the peace of mind that shopping with Paypal provides. Reviewed on: 6th May 2026
James L's avatar
James L

Very easy to use, and help is always provided if I n...

5
Very easy to use, and help is always provided if I need it. Reviewed on: 6th May 2026
Francesca 's avatar
Francesca

The best

5
So easy to use , great app wouldn’t use anyone else Reviewed on: 6th May 2026
Ash's avatar
Ash

Easy Spending, Serious Terms: My PayPal Credit Journey

5
I’ve been using PayPal for several years, including their credit system, and overall my experience has been very positive. The platform itself is incredibly convenient—payments are quick, widely accepted, and easy to manage through both the app and website. What stands out most about PayPal Credit is the flexibility it offers. The ability to spread payments over time, especially with promotional interest-free periods, has been genuinely helpful for managing larger purchases without immediate financial strain. The application process was straightforward, and the credit limit provided was reasonable based on my profile. I also appreciate the transparency in tracking balances, statements, and due dates. Everything is clearly laid out, which makes it easier to stay on top of payments and avoid unexpected fees. Customer service has generally been responsive when I’ve needed support. Overall, PayPal and its credit system offer a reliable, flexible, and user-friendly way to manage online payments and short-term financing. Reviewed on: 6th May 2026
Isabelle J's avatar
Isabelle J

Convenience of PayPal credit

5
Easy to use and does nut delay checkout by any significant amount of time. Reviewed on: 6th May 2026
L A Caithness's avatar
L A Caithness

Paypal Credit is the best way to make your purchases!

5
I’ve been using PayPal Credit for a while now, and I can honestly say it’s made managing my online purchases much easier. The application process was straightforward, and I was approved quickly, which meant I could start using it almost immediately. One of the biggest advantages for me is the flexibility it offers. Being able to spread the cost of purchases over time has really helped with budgeting, especially for larger or unexpected expenses. I also appreciate the promotional offers, like interest-free periods on certain purchases, which make it even more convenient and cost-effective when used responsibly. The integration with PayPal is seamless, so whenever I check out online, it’s right there as an option. That convenience saves time and makes the whole process feel smooth and secure. I also like how easy it is to track my spending and repayments through my account. Overall, I’m really happy using PayPal Credit. It’s reliable, easy to use, and gives me that extra financial flexibility when I need it. As long as you stay on top of repayments, it’s a very useful tool for managing purchases. Reviewed on: 6th May 2026
Rae's avatar
Rae

Great service and amazing experience,always there wh...

5
Great service and amazing experience,always there when you need it Reviewed on: 6th May 2026
Gheorghe N's avatar
Gheorghe N

Great Service

5
Easy to use, it gives me peace of mind knowing paypal have great customer services. If ever I have needed help, they have been excellent. Reviewed on: 6th May 2026
Sharon K's avatar
Sharon K

Safe Transactions...

5
Ive been using PayPal for many years and have always had a positive experience. I feel that my transactions are safe. Reviewed on: 6th May 2026
Ann B's avatar
Ann B

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