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PayPal: PayPal Credit reviews

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4.91
Based on 58,916 reviews, last reviewed 11th Apr 2026
747800% increase in 5 star reviews
in the past 90 days
2400% 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

Value for money, no nonsense company in terms of bei... Value for money, no nonsense company in terms of being straight forward, more often offering very good interest rate or aero interest rate Reviewed on: 11th April 2026
Lorenzo's avatar
Lorenzo

Latest lowest rating:

1

PayPal uses a scamming scheme to charge money ! I have a few direct debits with PayPal credit, some if them are automatically amended and some doesn't, I have to pay them manually, and if I forget b... Read more Reviewed on: 11th April 2026
Emilian R's avatar
Emilian R
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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 (58916)

Very happy help for larger items

5
Very happy help for larger items Reviewed on: 17th May 2024
Michaelia M's avatar
Michaelia M

Easy to use and manage

4
I’ve always found PayPal credit very easy to use and manage. When I once had an issue the team explained and worked it out quickly. The ease of use has made it a default way for me to spread payments over time without panicking and through the app I have easy access. Reviewed on: 17th May 2024
Rich Lush's avatar
Rich Lush

Go to Credit

5
Paypal is my go to credit lender, Whilst I wouldn’t use it in my day to day. Its online capabilities as well as its 0% interest offers mean that I can pay things up in a timescale that works for me. I have used pay in 3 a couple times and whilst it’s beneficial, I personally prefer to just use the PayPal Credit. Reviewed on: 17th May 2024
Keir M's avatar
Keir M

I find PayPal easier to deal with than the Bank shou...

5
I find PayPal easier to deal with than the Bank should I want to pay for larger items over a longer period. Reviewed on: 17th May 2024
Robert's avatar
Robert

Great review

5
Very good experience. Never had any problems. Reviewed on: 17th May 2024
Guna V's avatar
Guna V

Great experience.

5
Great experience. Very easy to understand terms and conditions Reviewed on: 17th May 2024
Karen 's avatar
Karen

PayPal credit has helped me buy latop

5
PayPal credit has helped me make decision to buy a new laptop for work & pleasure. The laptop has paid back the credit and I have saved on overall interest. win win ! Reviewed on: 17th May 2024
Jay M's avatar
Jay M

Great experience with PayPal Credit.

5
Great experience with PayPal Credit, is always in your pocket. Reviewed on: 17th May 2024
Cristian I's avatar
Cristian I

0% interest, spreading payments are brilliant and ve...

5
0% interest, spreading payments are brilliant and very helpful. If only it was accessible on all purchases like Klarna cards Reviewed on: 17th May 2024
Vikki77's avatar
Vikki77

Great way to buy on credit

5
Very happy with PayPal and how easy to use. Reviewed on: 17th May 2024
Marius's avatar
Marius

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