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PayPal: PayPal Credit reviews

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4.90
Based on 76,581 reviews, last reviewed 19th Apr 2026
2375000% increase in 5 star reviews
in the past 90 days
6800% 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

Easy to use and very happy with security it gives me. Easy to use and very happy with security it gives me. Reviewed on: 19th April 2026
Mark Trotman's avatar
Mark Trotman

Latest lowest rating:

2

Complicated and unexpected fees deduction Complicated and unexpected fees deduction Reviewed on: 19th April 2026
Ear E's avatar
Ear E
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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 (76581)

Useful for unexpected costs or a larger purchase

5
Very useful when there is something I need urgently that comes up at an inconvenient time. Reviewed on: 26th May 2025
Marley 's avatar
Marley

Great convenience, but sometimes confusing what’s be...

3
Great convenience, but sometimes confusing what’s being pay off. Reviewed on: 26th May 2025
Wayne D's avatar
Wayne D

Best option to purchase online

5
Easy to use and helps alot when buying something and u need to wait for ur monthly payment Reviewed on: 26th May 2025
Enrique P's avatar
Enrique P

PayPal offer security, protection for purchasing onl...

5
PayPal offer security, protection for purchasing online and above all else ease of use. I use PayPal for almost all my online purchases and have never had an issue. I swear by it, promote it to friends and family and will continue to use it in the future. Reviewed on: 26th May 2025
Gareth W's avatar
Gareth W

Excellent service

5
Easy to use, with great communication Reviewed on: 26th May 2025
Neale A's avatar
Neale A

Too good

4
Its so easier. Its alternative to using a credit card Reviewed on: 26th May 2025
ukshatil 's avatar
ukshatil

Great for spreading costs at 0% interest.

5
Great for spreading costs at 0% interest. So long as you’re able to pay your balance in full after 4 months, and you make minimum payments in between, this is a great way to spread the cost of your purchases. Reviewed on: 26th May 2025
Rodolfo's avatar
Rodolfo

Everything about using PayPal credit is simple.

5
Everything about using PayPal credit is simple. The application process was straightforward and the options that are available such as pay in 3 or 0% over 4 months make it easy to find the best option to make purchases with. Reviewed on: 26th May 2025
Andy C's avatar
Andy C

Easy to access credit for small/medium purchases spr...

5
Easy to access credit for small/medium purchases spread over a period of time. Reviewed on: 26th May 2025
Lee W's avatar
Lee W

have been using PayPal for years - great service!

5
I have been using PayPal for years and have recommended numerous people to use both their direct transaction methods and their credit facilities. They are easy to communicate with especially on the off chance a purchase goes wrong, in my case it was our family Holliday and the person letting the holiday home room our money and left us with a shockingly disgusting villa. They ignored our request for compensation but paypals protection meant we were able to recoup some money. Amazing, thank you PayPal team!! Reviewed on: 26th May 2025
Ben H's avatar
Ben H

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