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PayPal: PayPal Credit reviews

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4.91
Based on 55,796 reviews, last reviewed 7th Apr 2026
462300% increase in 5 star reviews
in the past 90 days
1200% 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

PayPal Credit - What a relief! I recently had an excellent experience using PayPal Credit for an online purchase. I was able to buy a new laptop without having to pay the full cost ... Read more Reviewed on: 7th April 2026
Jake hobson's avatar
Jake hobson

Latest lowest rating:

1

It is very confusing to use the app, money takes day... It is very confusing to use the app, money takes days to clear. It doesn’t always appear to be accurate. Reviewed on: 7th April 2026
Annabelle's avatar
Annabelle
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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 (55796)

Spread the cost

5
Paypal make it easy to spread the cost over 3 equal payments interest free, it just doesn't feel like your in dept. Reviewed on: 11th August 2022
Chris rutter's avatar
Chris rutter

Excellent

5
Make life easier. helpful to manage money. Reviewed on: 11th August 2022
Am Jah's avatar
Am Jah

Excellent options for repayment

4
Great to have 4 months at 0% interest Reviewed on: 11th August 2022
Rafael Villarroel's avatar
Rafael Villarroel

Incredible Service and Convenience

5
The customer service is second to none and the app is so easy to use!! Spending and moving money is so much easier to not only do but to manage via the PayPal app!! I’ve really enjoyed my experience!! Reviewed on: 11th August 2022
Ryan Ogden's avatar
Ryan Ogden

A great flexible service

5
PayPal credit gives you the flexibility of a credit card but at a huge amount of retailers that I already accept PayPal as payment. What makes it stand out is the 4 months interest free payments, the ability to split payments into multiple months (for retailers you wouldn’t normally expect!) and give the confidence of PayPal buyer protection. Overall a great service and great product! Reviewed on: 11th August 2022
Luke McLeary's avatar
Luke McLeary

No hassle credit with great benefits

5
I applied simply to test out the service and I'm so pleased I did. Excellent app, brilliant interest free offers and pure simplicity! Thank you PayPal Credit - you are the best.. Reviewed on: 11th August 2022
Chris Palfreyman's avatar
Chris Palfreyman

Best thing ever

5
Its simple quick, interest free. Helps you to buy things and not worry about for 4 months. Reviewed on: 11th August 2022
Radiul Haque's avatar
Radiul Haque

Great app, experience, and interface via app, but restrictive

4
Overall, PayPal Credit is fantastic, but incredibly restrictive in the UK. You can only pay at very few places like restaurants and pubs. Needs greater access. Reviewed on: 11th August 2022
Sean Taylor's avatar
Sean Taylor

very good !

5
Amasing product! If there is a need to pay for a product in a slightly extended period, pay.pal credit is always at hand and helps with this. Reviewed on: 11th August 2022
Dobieslaw Abramek's avatar
Dobieslaw Abramek

Absolutely Convenient

5
My PayPal Credit experience has been one of the best so far. Reviewed on: 11th August 2022
Temitope Margaret Ajayi-Salami's avatar
Temitope Margaret Ajayi-Salami

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