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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

My Flexible Friend

I have used their pay over four months several times to help save money Reviewed on: 9th June 2026

Great service!

Never any issues, always someone to speak to should I have a problem. Helps a lot. Reviewed on: 9th June 2026

PayPal credit is a good way of using credit but also...

PayPal credit is a good way of using credit but also building credit up Reviewed on: 9th June 2026

PayPal credit, gives time to pay without charges

Always a great option to spread the cost without incurring extra charges. Great for holidays, that present you want to buy now but haven’t got all the money for just yet. Reviewed on: 9th June 2026

I have a very experience with PayPal and PayPal cred...

I have a very experience with PayPal and PayPal credit is amazing Reviewed on: 9th June 2026

Brilliant always available quick and simple to use

Brilliant always available quick and simple to use Reviewed on: 9th June 2026

Interest free offer on purchases over £100

I’ve used PayPal credit for purchases that are usually over £100 as you get to benefit from the 4 month interest free offer. It’s also good that a lot of stores accept PayPal credit, so having that option there is helpful. Reviewed on: 9th June 2026

Happy with my over all experience.

Happy with my over all experience. Would recommend to a friend or family member. The app something has not been very user friendly. But since a few updates it has improved. One thing I will say is that paypal phone lines have not been great to me in the past. Not been very helpful. Reviewed on: 9th June 2026

Great for helping to budget

Easy to manage and the pay in 4 is a great way to help budget. The credit card is also a bonus being able to use in shops. Reviewed on: 9th June 2026

People is very good financial tool

People is very good financial tool and I’m happy to have it and use it regularly. Reviewed on: 9th June 2026

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