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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 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 (181153)

I use Paypal credit for most of my purchases, I find...

I use Paypal credit for most of my purchases, I find it so useful to give me a bit of breathing space for emergency things I need to buy Reviewed on: 9th June 2026

Been using PayPal for over 20 years!

Been using PayPal for over 20 years! Consistently reliable and convenient as always. Reviewed on: 9th June 2026

Fantastic

Check out is fast, easy and secure. I use it for regularly for small payments, it's very convenient that majority of businesses have it as an option. Interest rates are low and easily affordable Reviewed on: 9th June 2026

Everything on my mobile phone...

Everything was managed on my mobile phone, which was straight forward and simple.l had one query which was answered by PayPal customer service line, who answered the call quickly and were extremely helpful. Reviewed on: 9th June 2026

I find PayPal and PayPal credit easy to use.

I find PayPal and PayPal credit easy to use. The one thing I have noticed is that when using PayPal with my current account, the money isn’t taken out quickly… sometimes a week later. It would be good if that was a quicker process. Reviewed on: 9th June 2026

Easy to use

I needed to buy 5x long haul airplane tickets, using the PayPal's credit feature was easy with excellent repayment terms. Reviewed on: 9th June 2026

Good communication and they’re on your side

PayPal have always been great at reclaiming money from any fraudulent sellers. The communication has always been easy with them and the cost of credit has always been manageable for me Reviewed on: 9th June 2026

A Seamless Experience

No issues so far - a seamless experience - especially when the customer services team sorted out a recent issue involving a sunglasses scam with a refund being offered. Reviewed on: 9th June 2026

Very convenient and easy to use saves time and money.

Very convenient and easy to use saves time and money. Makes booking transport holidays and hotels easy Reviewed on: 9th June 2026

PayPal credit is helpful

I like to use the credit facility because it gives 4 months interest free and allows me to spread the cost of large purchases. Also the app makes it convenient. Reviewed on: 9th June 2026

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