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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 84,764 reviews, last reviewed 25th Apr 2026
3133300% increase in 5 star reviews
in the past 90 days
4500% 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

Never had a problem, customer service is A star. Never had a problem, customer service is A star.. Reviewed on: 25th April 2026
Darren F's avatar
Darren F

Latest lowest rating:

2

Statements and interest and formats for transactions... Statements and interest and formats for transactions are confusing and unclear Reviewed on: 24th April 2026
Richard j's avatar
Richard j
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (84764)

Really understanding.

5
Really understanding. Good terms of 0% Reviewed on: 26th May 2025
John m's avatar
John m

A lifeline, excellent customer service and care.

5
Paypal has been a lifeline, excellent customer services and care. It has always been easy, comfortable to speak to the team. Thank you. Reviewed on: 26th May 2025
Ade Win's avatar
Ade Win

I use PayPal for every transaction online.

4
I use PayPal for every transaction online. It feels a lot safer knowing you have that extra layer of protection. The only thing I don’t like is that you can’t choose what purchase your payment pays off, it just takes it off the overall balance. Probably not an issue for most but I’d like to pay off the smaller ones asap! Reviewed on: 26th May 2025
BekS's avatar
BekS

Very cool service and excellent information

5
Very cool service and excellent information Reviewed on: 26th May 2025
Paul C's avatar
Paul C

Always easy and simple to use

5
Always easy and simple to use on any rare occasions there is a problem I feel Paypal is on my side Reviewed on: 26th May 2025
R Baker's avatar
R Baker

Excellent

5
Always confident when using PayPal Reviewed on: 26th May 2025
Tom O's avatar
Tom O

Brilliant for spreading the cost over 4 months.

5
Paypal Credit is brilliant for budgetting on high priced items, I had to get my house ridge tiles replaced at over £1000, and using Paypal Credit I was able to spread the cost over 4 months interest free and pay off the total before the 4 months was up. It has also been used to buy a new mobile outright outside of contract and other items around the home. Reviewed on: 26th May 2025
Chris K's avatar
Chris K

Helpful and easy to use

5
Does exactly what you'd expect. The 0% offers are fantastic and really help with bigger purchases. It's incredibly easy to set up and use and a huge number of retailers now accept PayPal and link directly to their site at the checkout Reviewed on: 26th May 2025
James B's avatar
James B

Customer service is Always so helpful and happy to h...

5
Customer service is Always so helpful and happy to help, I use Paypal credit on most of my purchases, it’s so easy to use and really helps with my credit score and gives lots of options to pay it off Reviewed on: 26th May 2025
Vicky H's avatar
Vicky H

Paypal credit any day over other credit cards.

5
I’m a regular customer of PayPal credit. I use it for when I’m short for money for something. I can always rely on it as it provides me enough time to arrange the money to pay back. It’s always been my saving grace whenever I’ve been in a desperate need of money. I have other credit cards too but I rather not use them as their interest rate is quite high whereas with PayPal, It allows be 4 interest free months to pay back which is more than enough time. Reviewed on: 26th May 2025
Sunita P's avatar
Sunita P

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