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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (100144 reviews)

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4.90

Based on 100,144 reviews, last reviewed 6th May 2026

2276150% increase in 5 star reviews

in the past 90 days

6500% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Great for everyone who pays for stuff online Great for everyone who pays for stuff online Reviewed on: 6th May 2026

Latest lowest rating:

1

Terrible customer service Terrible customer service and an app that just does not work as it should. Reviewed on: 6th May 2026

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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 (100144)

Used PayPal for over 15 years and never had a problem.

Used PayPal for 15+ years and never had a problem. Go to method of online payment. Reviewed on: 7th April 2026

Quick easy and gives you peace of...

Quick easy and gives you peace of mind Reviewed on: 7th April 2026

I had a very good experience using it.

I had a very good experience using it. I recommend it to everyone, the conditions here are very good. Reviewed on: 7th April 2026

PayPal Credit - Built For Real Life.

I’ve used paypall credit for a while now, and it’s completely changed how I think about using credit. Unlike traditional credit cards, which often feel clunky and full of small print, PayPal is refreshingly simple and built around how people actually spend online. The flex to spread payments, with interest-free options on larger purchases, makes it easier to manage my finances without that constant feeling of “catching up” that comes with many credit cards. Everything is visible in one place and easy to track. What really stands out is the added confidence from buyer protection so t’s not just about borrowing, it’s about feeling secure when you spend. Reviewed on: 7th April 2026

PayPal Credit has simplified my life enormously

PayPal Credit has simplified my life enormously due to their generous 4 months' interest-free facility for purchases over £100. I moved home this past year and it's been invaluable for helping me to spread the cost of some essential domestic purchases. Making sure to pay off all balances within the requisite timescale means I've also reaped the benefit of improving my credit score without even trying. I was previously using Pay in 3 for most purchases (and still do for a lot of things) but usingPayPal Credit for those Promotional interest-free Offers has allowed me to take just that little bit longer to pay, with nothing in the first month. Really useful when needing something urgently before my payday! Best of all, PayPalCredit is a regulated agreement under the FCA so if anything did go wrong, I'd be fully protected. Peace of mind - especially now I'm getting older ... Reviewed on: 7th April 2026

PayPal credit was easy to apply for and setup.

PayPal credit was easy to apply for and setup. Great way to manage your purchases. Reviewed on: 7th April 2026

Flexible payment plans, very generous credit limit,...

Flexible payment plans, very generous credit limit, easy to use anywhere Reviewed on: 7th April 2026

Excellent service throughout, easy transactions

Excellent service throughout, easy transactions Reviewed on: 7th April 2026

PayPal is always there when I need it

Always available and consistently easy to use Reviewed on: 7th April 2026

It's a decent product that is providing more value,...

It's a decent product that is providing more value, but could do more. Reviewed on: 7th April 2026

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