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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Keith F's avatar
Keith F

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
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews Write a review

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)

Very good on the whole. Would recommend,

4
All very good, it just takes along time after you have paid of your balance on PayPal credit to actually seeing it of your account. Reviewed on: 9th June 2026
Lee T's avatar
Lee T

Pay in 3

5
Great flexible options with pay in 3 or others are available. Gives you more time to pay and spread the balance with interest free. Reviewed on: 9th June 2026
john c's avatar
john c

PayPal is easy to use and very secure

5
PayPal is easy to use and very secure and instant, have never had a bad experience with them Reviewed on: 9th June 2026
Jo W's avatar
Jo W

I have been using PayPal for many years and have alw...

5
I have been using PayPal for many years and have always been very happy with the service they provide. Applying for PayPal Credit was a quick, simple, and straightforward process. The application was easy to complete, and I received a decision promptly. PayPal Credit has been a great addition to my account, giving me extra flexibility when making purchases. The entire experience was smooth and hassle-free, which is exactly what I have come to expect from PayPal over the years. I would definitely recommend PayPal Credit to my friends and family. If you’ve had a positive experience with PayPal’s services, I believe you’ll find PayPal Credit just as convenient and easy to use. Reviewed on: 9th June 2026
Anita B's avatar
Anita B

good support and help, and value

4
good support and help, and value Reviewed on: 9th June 2026
julius 's avatar
julius

Physical card is a plus

5
Exactly what I needed I’m able to use online and also have a physical card which is very handy Reviewed on: 9th June 2026
Bhhp's avatar
Bhhp

118 money..A user friendly and reliable app

5
Always very helpful when I’ve needed to get in touch and a very user friendly app Reviewed on: 9th June 2026
Phil Mead's avatar
Phil Mead

I love the o% finance on certain websites and products.

5
I love the o% finance on certain websites and products. Reviewed on: 9th June 2026
Daniel C's avatar
Daniel C

The customer service has always been excellent which...

5
The customer service has always been excellent which for me is the main thing. If I have a query about money I want a quick & reassuring answer. I have received credit limit offers that are clearly explained & I feel that I remain in control.I like the interest free credit for a few months on purchases over £100. Reviewed on: 9th June 2026
Stephen B's avatar
Stephen B

Nothing but good things to say.

5
Nothing but good things to say. So easy to use. Reviewed on: 9th June 2026
A P's avatar
A P

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