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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181042 reviews)

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4.73

Based on 181,040 reviews, last reviewed 24th Jul 2026

172% increase in 5 star reviews

in the past 90 days

221% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Top service! Happy with the excellent service! Reviewed on: 24th July 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 (181042)

New to Paypal Credit but no problems yet

New to Paypal Credit but no problems yet Reviewed on: 9th June 2026

Great for spreading purchase costs

Great that I could spread the cost of a few bigger purchases very easily Reviewed on: 9th June 2026

Good overall experience in most payments

Good overall experience in most payments Reviewed on: 9th June 2026

PayPal credit for large appliance purchases.

Have used PayPal credit for large appliance purchases. Allows us to spread the payments over 3 or 4 months and easy to manage. Fairly intuitive app allows me to monitor payments and amend them if necessary, Reviewed on: 9th June 2026

Ten out of ten

I have had no problem with paypal. It is quite flexible and many retailers take it. I wont be changing. Reviewed on: 9th June 2026

Super easy to set up pay pal credit and use it.

Super easy to set up pay pal credit and use it. Allows you to spread the cost of a higher value purchase. Was a life saver when I wanted to buy something from the US too so I got the additional security of using pay pal to pay for my items. Reviewed on: 9th June 2026

Easy to Use, A Credit Service I Trust

I’ve used PayPal Credit for a number of years now and it has genuinely made managing larger purchases far less stressful. The application process was straightforward, the app and online experience are easy to navigate, and I really value being able to spread the cost in a flexible and transparent way. What stands out most is the reliability and peace of mind. Transactions are quick, statements are clear, and I’ve always found the service dependable when I’ve needed it. The promotional finance options can be incredibly helpful for budgeting, especially during expensive periods or unexpected purchases. I also appreciate how widely accepted PayPal is, which makes using PayPal Credit seamless across many retailers. Everything feels integrated, secure and convenient. Overall, PayPal Credit combines flexibility, simplicity and trust in a way that genuinely improves the customer experience. It’s one of the financial products I use most confidently and would happily recommend to others looking for a practical and user friendly credit option. Reviewed on: 9th June 2026

Always good to deal with

Always good to deal with and when i have had any issues, always there to help and resolve the issues. Reviewed on: 9th June 2026

great any problems sorted staightaway

great any problems sorted staightaway Reviewed on: 9th June 2026

As easy and no fuss as possible.

As easy and no fuss as possible. Reviewed on: 9th June 2026

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