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PayPal: PayPal Credit reviews

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4.91
Based on 55,845 reviews, last reviewed 7th Apr 2026
466700% 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

Good Service and Clear Information Any problems are resolved quickly and the limits and terms are easy to see. You can setup automatic payments and see when payments are due in seconds. Reviewed on: 7th April 2026
Cal's avatar
Cal

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
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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 (55845)

Second to none

5
PayPal lets me pay now or later, all in one wallet with one login. Plus, it’s available at millions of places! Simply the best! Reviewed on: 11th August 2022
Laura Welch's avatar
Laura Welch

Easy Peasy

4
Great service and can add purchases instantly and pay off at anytime, great app and great service Reviewed on: 11th August 2022
John Matthews's avatar
John Matthews

Easy to apply

5
Once set up it's easy to use. Any problems a phone call and your sorted. Reviewed on: 11th August 2022
Colin's avatar
Colin

Quick. Convenient. Handy.

4
Accepted form of payment at many prominent retailers. Convenient 3 month interest free payment plan for those large purchases ! Reviewed on: 11th August 2022
Richard's avatar
Richard

Blew my expectations

5
I have £1000 credit liase with me if I have any issues at all 10/10 for customer service everything sorted out first time would recommend to anyone looking for credit or a payment provider to pay people and companies. Reviewed on: 11th August 2022
Reece Burgess's avatar
Reece Burgess

Thank you for being ace

5
Thanks for PayPal credit I was able to get my son a laptop for his studies and during lockdown. Great service Reviewed on: 11th August 2022
Anna Day's avatar
Anna Day

So easy to use

5
I love the 4 months interest free credit option. It gives me freedom to make purchases I otherwise wouldn't afford, but in a way that's fair. The reminders that the interest free period is coming to an end are also super transparent and helpful. Reviewed on: 11th August 2022
Dina's avatar
Dina

Perfect opportunity

5
I love paying by PayPal and split the payment Reviewed on: 11th August 2022
Hubert Gaming's avatar
Hubert Gaming

Great for spreading unplanned cost

5
I've always used PayPal credit when I needed something but could not get it because of not having enough cash. Spreading the cost over four months is amazing Reviewed on: 11th August 2022
Adnan Faradhi's avatar
Adnan Faradhi

Awesome

5
oh yeah this credit thing is awesome i think everyone should get it and pay for their snacks and stuff Reviewed on: 11th August 2022
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Timantria

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