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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 85,726 reviews, last reviewed 26th Apr 2026
1611350% increase in 5 star reviews
in the past 90 days
4600% 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

Love PayPal credit. Love PayPal credit.. lets me get things i really need. Reviewed on: 26th April 2026
Wendy S's avatar
Wendy S

Latest lowest rating:

2

No thank you Pointless to do that, not likely to change Reviewed on: 25th April 2026
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Someone
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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 (85726)

Very good.

4
Very good. My only suggestion is to make it easier to find information on paying off your 0% items Reviewed on: 27th May 2025
Holly W's avatar
Holly W

They do a great job at protecting your online purcha...

5
They do a great job at protecting your online purchases and spreading costs. The app is both quick and easy to use. Reviewed on: 27th May 2025
Ricky W's avatar
Ricky W

Absolutely recommended s...

5
I if I have any problems they working very hard to sort it Reviewed on: 27th May 2025
Loubaba Al Sayed's avatar
Loubaba Al Sayed

Never had an issue.

5
Never had an issue.oustanding service.id well recommend to family and freinds.im greatly thankfully thankyou Reviewed on: 27th May 2025
Steve Guest 's avatar
Steve Guest

Clear, easy to use, transparent charges

5
Clear, easy to use, transparent charges Reviewed on: 27th May 2025
Neil W's avatar
Neil W

Positive experience, only one small bit of criticism.

5
PayPal credit is easy to use and access, and the application process is also straightforward. Making your monthly payments is made easy as you have to option to use your PayPal balance, a debit/credit card or simply set up a direct debit. PayPal credit also offers 0% interest on purchases over £100 (if paid back in full by 4 months after purchase date) which I think is great as no one wants to spend more than they need to, especially in this day and age. If I have one piece of criticism, it would be that usually payments made towards your PayPal credit balance take days to clear, which can be quite frustrating for obvious reasons. Other than that my experience with PayPal credit has been positive overall. Reviewed on: 27th May 2025
Tiernan McD's avatar
Tiernan McD

Trustworthy PayPal

5
I trust PayPal and use it whenever possible for online purchases. It hasn’t failed me yet! With more sites giving the option to use PayPal it’s really made life easier. Reviewed on: 27th May 2025
Liz Derbyshire's avatar
Liz Derbyshire

Excellent credit provider - quick and easy to use.

5
Excellent credit provider - quick and easy to use. Reviewed on: 27th May 2025
Rachel's avatar
Rachel

Simple and easy to use.

5
Been with PayPal a looong time and use my account on a regular basis with buying online. Reviewed on: 27th May 2025
Margaret Anderson's avatar
Margaret Anderson

Reliable and Convenient Finance Partner

5
I’ve had a great experience using PayPal as a finance provider. It’s user-friendly, secure, and offers flexible payment options that make online transactions and budgeting much easier. Their support for “Pay in 3” and quick integration with e-commerce platforms makes them a dependable partner for both personal and business use. Highly recommended for anyone looking for a hassle-free digital finance solution. Reviewed on: 27th May 2025
SSRN's avatar
SSRN

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