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PayPal: PayPal Credit reviews

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4.91
Based on 89,899 reviews, last reviewed 29th Apr 2026
1804500% increase in 5 star reviews
in the past 90 days
10200% 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

Straight forward and easy to manage money matter and... Straight forward and easy to manage money matter and credit Reviewed on: 29th April 2026
Joyce 's avatar
Joyce

Latest lowest rating:

1

Very pleased with the service. Very pleased with the service. Very helpful in some situations. Reviewed on: 29th April 2026
Viktors S's avatar
Viktors S
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 (89899)

Best experience for time management

5
Best experience for time management Reviewed on: 6th April 2026
Nilofar's avatar
Nilofar

PayPal Credit is really useful to have.

5
PayPal Credit is really useful to have for those unexpected emergencies. It is also great for buying those items you'd rather not pay for all in one. It is easy to manage and monthly statements are clear and easy to understand. Reviewed on: 6th April 2026
Baggins's avatar
Baggins

PayPal Credit- Simple

5
With PayPal credit its made life easier with regards to paying things back as it provides timely return dates. The introduction of a card has also made things simple. Reviewed on: 6th April 2026
Emily C's avatar
Emily C

Best of both worlds

5
Useful for online and shopping in real life Reviewed on: 6th April 2026
Luke's avatar
Luke

Good terms and spreads the payments

5
Good terms and allows you to spread the payments across a decent amount of time Reviewed on: 6th April 2026
Daniel W's avatar
Daniel W

Easy use, decent service

4
Paypal credit and Paypal is good generally, very convenient and easy to use. Variety of services and pay later options as well as transfers. The website and app is easy to use, and as far as additional charges they aren't too expensive. I would prefer a bit more flexibility around missed payments, combining two in one on top of a £12 missed fee isn't the best option for catch up payments I've seen from other providers. Get occasional emails to accept or decline increases to limit so something to bear in mind if you struggle to turn down an offer. Reviewed on: 6th April 2026
GA's avatar
GA

Very efficient service and easy payments

5
Very efficient service and no issues. Payments go through with no issues Reviewed on: 6th April 2026
Timothy B's avatar
Timothy B

Great Service

5
Great service easy to use and great when u need a wee helping hand Reviewed on: 6th April 2026
Jo McD's avatar
Jo McD

value for money, great customer service always help...

5
value for money, great customer service always helpful in complicated times, good responses and manages money greatly overtime Reviewed on: 6th April 2026
Alaa A's avatar
Alaa A

PayPal credit offers convenience with many sellers,...

5
PayPal credit offers convenience with many sellers, and makes purchasing larger products/services more achievable. I love their 0% interest offers and making repayments is simple. Reviewed on: 6th April 2026
Brandon H's avatar
Brandon H

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