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PayPal: PayPal Credit reviews

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4.90
Based on 60,171 reviews, last reviewed 13th Apr 2026
861000% increase in 5 star reviews
in the past 90 days
3200% 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

Easy access to paying things off. Easy access to paying things off. Reviewed on: 13th April 2026
Joanne's avatar
Joanne

Latest lowest rating:

1

not very good. not very good. they reduced my credit limit too low which affected my credit score Reviewed on: 13th April 2026
Afia A's avatar
Afia A
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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 (60171)

whenever I have used paypal credit, it's always seam...

5
whenever I have used paypal credit, it's always seamless, with a variety of payment options to suit my budget. Reviewed on: 7th April 2026
Ed P's avatar
Ed P

PayPal is great

5
Quick and simple to make purchases. Accepted all over the place and offer of an actual card that I can use. Reviewed on: 7th April 2026
Matt's avatar
Matt

PayPal credit is seamlessly convenient.

5
I used PayPal credit to but a gift. It was very simple to apply, hardly more than a standard checkout but still a credit checked service. Easy to see the loan balance and went totally smoothly as planned. Reviewed on: 7th April 2026
Darren H's avatar
Darren H

Great experience, straight forward and efficient

5
Great experience, straight forward and efficient Reviewed on: 7th April 2026
Paul L's avatar
Paul L

Very easy to setup account and detailed insights on...

5
Very easy to setup account and detailed insights on fingertips. Got credit card approved and setup in mins, now using it as main credit card Reviewed on: 7th April 2026
Yash's avatar
Yash

Very simple.

5
Very simple. Easy to apply and easy to understand. Reviewed on: 7th April 2026
Peter's avatar
Peter

Excellent service from Paypal

5
PayPal has always been clear and transparent with its services. And always there when I need them. A great and safe way to buy the products you need. Reviewed on: 7th April 2026
Catherine Challinor's avatar
Catherine Challinor

Easy to use, accepted almost everywhere, very secure

5
I like using PayPal because it is very easy to use, feels secure, and is accepted in almost every place where I shop online. The setup process is straightforward, and once your account is linked, making payments is quick and convenient. I also like that I do not always need to enter my card details every time, which saves time and feels safer. One of the biggest benefits of PayPal is the security. It adds extra security when buying online, especially when purchasing from websites I have not used before. It is also widely accepted, and in my experience it works in almost 99% of cases, which makes it very reliable. Reviewed on: 7th April 2026
Talib Ali's avatar
Talib Ali

Just easy to deal with app works and can get through...

5
Just easy to deal with app works and can get through to a human relatively quickly Reviewed on: 7th April 2026
Nathaniel W's avatar
Nathaniel W

Helpful but pricey

4
Paypal credit is very helpful and convenient if you need spread the cost over 4 months as there's no interest however generally I find it's pricey to use it and more expensive than most standard credit cards. Reviewed on: 7th April 2026
Kasia 's avatar
Kasia

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