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PayPal: PayPal Credit reviews

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4.90
Based on 59,323 reviews, last reviewed 12th Apr 2026
784600% increase in 5 star reviews
in the past 90 days
2700% 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

Effective and easy to use PayPal Credit is a very effective and easy way to manage daily bills and finances Reviewed on: 12th April 2026
David J's avatar
David J

Latest lowest rating:

1

Using PayPal Credit feels unnecessarily slow and fru... Using PayPal Credit feels unnecessarily slow and frustrating, especially in a digital age where transactions should be processed instantly. When I mak... Read more Reviewed on: 12th April 2026
Ksgrg's avatar
Ksgrg
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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 (59323)

Have used paypal for years now and I am very happy w...

5
Have used paypal for years now and I am very happy with what it offers. It would be even better if more retailers would take PayPal as a payment method Reviewed on: 27th May 2024
Jim W's avatar
Jim W

Paypal is very useful and fantastic

4
Paypal is very useful and fantastic Reviewed on: 27th May 2024
hamid O's avatar
hamid O

PayPal credit Join Now.

5
PayPal have really helped me with credit when I have needed, interest rates are reasonable and for the times I’ve needed to contact them they are fast and really happy to help at the customer service term. Overall can’t fault Reviewed on: 27th May 2024
Lindsay M's avatar
Lindsay M

Easy to claim, easy to manage.

5
Easy to claim, easy to manage. Great for unexpected expences. Reviewed on: 27th May 2024
Marina Yume's avatar
Marina Yume

Does what it says on the tin with no issues...

5
Does what it says on the tin with no issues or faff Reviewed on: 27th May 2024
Woodward's avatar
Woodward

Overall it's fantastic.

4
Overall it's fantastic. The only thing that could be changed is the delay when I make a payment. It takes a few days for the payment to go through to the paypal. But love it! Reviewed on: 27th May 2024
Angela b's avatar
Angela b

It’s great and easy to use

5
PayPal credit is so good, especially when you may return items (I.e. ASOS), makes it so simple to get refund and manage money Reviewed on: 27th May 2024
Cameron's avatar
Cameron

Quick and Simple

5
Very easy system , nice and simple , self explanatory Reviewed on: 27th May 2024
Sophie's avatar
Sophie

Question of ethics

5
Probably as ethical as a money lender can be. I would maybe set more prompts to remind of payments to avoid fees but to be honest they are better than a lot of other providers already. Only downside is you are unable to reduce your borrowing limit or close the credit account with closing your entire account(unless I am not seeing the close credit option). I’m sure this may have put people in precarious situations. Reviewed on: 27th May 2024
Emma J's avatar
Emma J

Excellent customer service

5
Excellent customer service. They were happy to help and quickly resolved an issue I had. Reviewed on: 27th May 2024
Sara A's avatar
Sara A

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