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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146233 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th June 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 (146233)

Easy to use and app is simple to navigate.

Easy to use and app is simple to navigate. Reviewed on: 6th May 2026

Will recommend

Very good experience, happy to deal with PayPal Reviewed on: 6th May 2026

Brilliant and easy to use

Had PayPal for along along time and PayPal credit since it first came around. My first experience with a credit card and it’s been great and very easy to use Reviewed on: 6th May 2026

Love paypal.

Love paypal. Its quick easy to use. People i know love it. Reviewed on: 6th May 2026

Easy spending :)

I didn’t need to use a large amount of credit on my PayPal account but it made a really easy option when I needed it. I found it really helpful to be notified when I had to pay any outstanding balance also! Reviewed on: 6th May 2026

Excellent customer support, Security experts.

Excellent customer support, Security experts. Helped my seamlessly with a potential security issue . Reviewed on: 6th May 2026

Easy straightforward to use

Easy straightforward… great experience using PayPal , trust this product 100% Reviewed on: 6th May 2026

Reliable for Larger Purchases and Helpful for Budgeting

I use PayPal Credit infrequently, mainly for larger purchases, because I know I’m protected against fraud and can spread the cost over four months. It gives me a bit of flexibility while still letting me keep money in the bank earning what little interest is available at the moment. I don’t buy anything unless I can afford it, but having PayPal Credit as an option makes bigger purchases more manageable and gives me extra peace of mind. Reviewed on: 6th May 2026

Applied for Amazon credit on a small purchase.

Applied for Amazon credit on a small purchase that I didn't fancy paying for all in one go. I chose to split the payments into 4 interest free payments, but I decided to pay it all off on the following payday. The application process was easy and it was approved within 2 minutes. Reviewed on: 6th May 2026

Good user interface

PayPal is a very user friendly platform that allows you to do anything money related with ease. It has very clear instructions and prompts that help you understand exactly what you are doing and I feel very safe using it. Reviewed on: 6th May 2026

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