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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 174,092 reviews, last reviewed 9th Jul 2026
1375% increase in 5 star reviews
in the past 90 days
1263% 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

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026
Janusz D's avatar
Janusz D

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th July 2026
Mark P's avatar
Mark P
Read all reviews See your 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.

PayPal PayPal Credit reviews (174269)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

5
Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024
Mike Haslam 's avatar
Mike Haslam

Always had a good experience and customer services a...

5
Always had a good experience and customer services are easy to talk too. Reviewed on: 8th July 2026
Daniel Garthwright's avatar
Daniel Garthwright

Definitely go for PayPal credit!

5
I have been using PayPal credit for a while now and I can say without hesitation that it has always been a smooth process. It is convenient with options to pay in 3, 0% finance or pay in 30 days giving customers much more flexibility and choice compared to other lenders. Their customer service is excellent and Paypal send you reminders for upcoming payments which helps to manage payments. Overall I would highly recommend Paypal Credit for anyone considering taking out credit. Reviewed on: 8th July 2026
Leisha 's avatar
Leisha

I've used PayPal for years and it's always been fast...

5
I've used PayPal for years and it's always been fast, secure, and reliable. I love how easy it is to shop online, send money, and know my payment details are protected. The app is simple to use, transactions are quick, and I've always had a positive experience. PayPal gives me confidence every time I make a purchase, and I'd happily recommend it to anyone. Reviewed on: 8th July 2026
Jan Bradley's avatar
Jan Bradley

PayPal credit has been excellent

5
PayPal credit has been excellent, pay in 3 and buy now pay later options have both been fantastic and have helped no end. Reviewed on: 8th July 2026
Adam Jones's avatar
Adam Jones

Paypal review

4
Helps you spread payments and making it easier to control finances Reviewed on: 8th July 2026
Chris c's avatar
Chris c

Great service

5
PayPal credit's great for spreading purchase cost without having to pay interest or sign up for extra agreements and I use it whenever I make bigger purchases. Also very handy using the app and not needing to find other cards or remembering other passwords. Only real downside is some places don't accept PayPal payments. Reviewed on: 8th July 2026
SImon Horrocks's avatar
SImon Horrocks

Low interest rates rates and easy to use app

5
Low interest rates rates and easy to use app Reviewed on: 8th July 2026
Judith O's avatar
Judith O

For over 25 years Paypal have enabled my safe and ef...

5
For over 25 years Paypal have enabled my safe and efficient web purchasing. Never an issue and no fraudulant acativity. Top provider Reviewed on: 8th July 2026
Jeremy C's avatar
Jeremy C

Excellent for my phone

5
Easy to do. And flexible. Really good for my phone plan Reviewed on: 8th July 2026
Ewan kearney's avatar
Ewan kearney

Great service

5
I've had no issues, it's given me the opportunity to buy a wheelchair that I desperately needed at a reasonable interest rate etc Reviewed on: 8th July 2026
Ali's avatar
Ali

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