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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)

Always been very easy and flexible to suit me.

Always been very easy. It’s made managing my finances when purchasing more expensive items very easy by spreading the payments over a number of months and made certain products more accessible without long term commitment or high apr rates. I use it very regularly and just pay it up or as much as I want when I want to get the credit cleared. Would highly recommend and would live without it. I would also recommend the PayPal credit card which gives me the flexibility of PayPal but on items in shops or on websites like a certain company named after a rainforest where you are unable to checkout using PayPal. Reviewed on: 9th June 2026

Makes paying online safer and easier.

Makes paying online safer and easier. I always use PayPal. If there is a problem with a retailer PayPal deal with it for you very quickly and efficiently. Reviewed on: 9th June 2026

i don't purchase anything online if they don't have...

i don't purchase anything online if they don't have pay pal as an option Reviewed on: 9th June 2026

Easy to use, clear to understand

Easy to use, clear to understand Reviewed on: 9th June 2026

It’sgreat that the card is accepted in most places a...

It’sgreat that the card is accepted in most places and it gives you extra security when buying online especially with so many scammers about. Reviewed on: 9th June 2026

PayPal Credit is best in class for payments & credit!

PayPal Credit and PayPal has been going from strength to strength and leading the way for best practice. Their interest free options are perfect for spreading the cost of large one off purchases, and getting a little back in the for of points is fantastic. They really value their customers with class leading customer support, I feel safe paying with PayPal Credit and PayPal.it is one of the easiest and safest ways to pay and is made even easier with their card options. I’ve been with them from the early days and I’ll be sticking with them for a very long time. Highly recommend! Reviewed on: 9th June 2026

Always found easy to use would recommend

Never had a problem, always easy to use, would r recommend to others. Feast and efficient payment. Reviewed on: 9th June 2026

Keeping me in check

I find them so easy to use and it helps my monthly expenses by knowing how easy and professional PayPal are. With the repayments I know exactly where my finances stand and I can budget my monthly outgoings so I can have piece of mind. Reviewed on: 9th June 2026

Used it several times to split the cost of a...

Used it several times to split the cost of a purchase Reviewed on: 9th June 2026

The website is easy to access, and the app has got l...

The website is easy to access, and the app has got lots of features that make it easier to use. Reviewed on: 9th June 2026

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