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PayPal: PayPal Credit reviews

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4.91
Based on 55,389 reviews, last reviewed 7th Apr 2026
425300% increase in 5 star reviews
in the past 90 days
1000% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
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1%
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0%
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Latest highest rating:

5

Great way to split the cost I use paypal credit often so I can make those more expensive purchases without having to take the hit and pay all in one go. The option to pay later m... Read more Reviewed on: 7th April 2026
Sophie JAK's avatar
Sophie JAK

Latest lowest rating:

2

Good credit options. Good credit options. But the calculations and when to start paying interest is confusing Reviewed on: 7th April 2026
Elango's avatar
Elango
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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 (55389)

Lifesaver

5
Convenient, affordable and easily managed credit Reviewed on: 12th August 2022
Gary Parsons's avatar
Gary Parsons

Easy and reliable.

5
Have never had any issues with my PayPal Credit account, it's easy to access, easy to set and amend payments, and I am always kept up to date with any changes or updates. Would highly recommend this product/service. Reviewed on: 12th August 2022
Jennifer Moore's avatar
Jennifer Moore

interest free 3 payments or 4 months amazing!!!

5
best payment service provider for consumer rights and protection service, also offer great financial payment plans with varied options, cant go wrong choosing this for peace of mind and security Reviewed on: 12th August 2022
Henz Shaz's avatar
Henz Shaz

Excellent

5
Excellent service Reviewed on: 12th August 2022
Regan's avatar
Regan

Nice limits, fair apr

4
Used PayPal credit a few times, the APR is fair and quite competitive. Reviewed on: 12th August 2022
N H's avatar
N H

Reliable and trust worthy

5
I rely on paypal ccredit as a backup to my money at the end of the month. At the end of the month on payday i pay off what i owe (if any) knowing i can trust and know that it has my back when i need it. Reviewed on: 12th August 2022
Debra Yasin's avatar
Debra Yasin

Handy to have.

4
Getting monies returned from some vendors. Reviewed on: 12th August 2022
Maurice Eaton's avatar
Maurice Eaton

Stress free use and hassle free

5
Used PayPal Credit to purchase a laptop and it has been a seamless and stress free experience throughout, from signing up to purchasing and the automatic payments. Absolutely loving it! Reviewed on: 12th August 2022
Ankur Aggarwal's avatar
Ankur Aggarwal

Super secure

5
Makes money transfer and purchases so easy and safe Reviewed on: 12th August 2022
Kristina's avatar
Kristina

PayPal has been a really good experience

5
I can now use up to £1200 of my credit account without interest and pay monthly which has been an excellent way to manage my money. I definitely recommend PayPal credit. Reviewed on: 12th August 2022
Khadija's avatar
Khadija

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