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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)

Brilliant service

5
I've used PayPal credit for a few years now. More expensive buys are easier when cut into four payments, Brilliant! If something goes wrong and you have to contact PayPal ....They're on the ball, Brilliant! Problem seller? Money refunded the next day. Brilliant service. Many thanks! Reviewed on: 8th July 2022
Philip Gofton's avatar
Philip Gofton

Thumbs up from me !

5
I have been using pay pal credit for a while now and can honestly say it is one of the fairest credit facilities I use . I love that of you pay off larger purchases in full within a certain time frame you pay no interest. The app is so easy to use and all information is clear . I would definitely recommend it to friends . Reviewed on: 8th July 2022
Nikki Loveday's avatar
Nikki Loveday

Cost spreading

5
It is very handy to spread the cost at no interest if paid within 3/4 months Reviewed on: 8th July 2022
alan pierce's avatar
alan pierce

Simple and easy

5
The simplicity of 4 months interest free credit makes it easy to manage my credit in a cost effective way; it also gives the chance to save further and not have to pass up a bargain. Reviewed on: 8th July 2022
Beverley's avatar
Beverley

Best out there !

5
Credit with no interest for 4 months is not bad t all. Reviewed on: 8th July 2022
MIRCEA BALAN's avatar
MIRCEA BALAN

Very helpful and reasonable

5
Since PayPal credit, its been possible to meet up with life activities and expectations. Thanks! Reviewed on: 8th July 2022
Monifah Philip's avatar
Monifah Philip

Paypal Credit is the best so far

5
Good experience and it is better than the credit I've gotten anywhere else. highly recommended if you discipline your spending Reviewed on: 8th July 2022
Ezenwa's avatar
Ezenwa

Effective no nonsense, clear

5
Great offer with clear advice. Very useful in managing purchases within the interest free period Reviewed on: 8th July 2022
Tracey P's avatar
Tracey P

Paypal credit easy and reliable.

5
Have been using PayPal credit for quite long and is reliable and very easy to use. Reviewed on: 8th July 2022
Emma 's avatar
Emma

Great

5
Great service. Really easy to use app Reviewed on: 8th July 2022
Carina Santos's avatar
Carina Santos

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