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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)

PayPal credit is the best!

5
PayPal has been helpful all the time, with the ability to spread cost, reliable app and much more. Happy to have credit with them. Reviewed on: 8th July 2022
Robert Codreanu's avatar
Robert Codreanu

Hassle free payments

5
With PayPal credits, I can spread my payments! The 0% interest is one of the reasons I signed up for it. Reviewed on: 8th July 2022
Bukie Arije's avatar
Bukie Arije

PayPal

5
It’s the easiest thing possible x x Reviewed on: 8th July 2022
5mi's avatar
5mi

amazing

5
really quick and efficient, choose how much you pay back monthly Reviewed on: 8th July 2022
jemima jmontgomery's avatar
jemima jmontgomery

Extremely good credit facility

5
Their credit facility is top notch. It is extremely easy to pay with. Reviewed on: 8th July 2022
Kwasi Prempeh 's avatar
Kwasi Prempeh

Good service

4
Fast and honest response from PayPal on weather your eligible. The APR isn't to high against your borrow and gaining that trust if you have no missed payments can improve your borrowing for bigger purchases in the future. I find PayPal works for me and my budget so I would recommend PayPal to anyone that might be thinking of taking out credit. Reviewed on: 8th July 2022
Keith 's avatar
Keith

The most efficient payment and credit provider

5
I am a loyal PayPal customer for many year, and I have never been dissappointed with the services. The payment process is fast & efficient, one click process. When I had a dispute about a payment, it has been resolved in minutes. Paypal offers credit services, you only need to press the button to approve. In my opinion, PayPal is the best and most efficient payment provider Reviewed on: 8th July 2022
Angela 's avatar
Angela

Excellent

5
PayPal has an Excellent service with credit facilities. Reviewed on: 8th July 2022
Arjun Katuwal's avatar
Arjun Katuwal

Credit

5
I frequently use PayPal credit. Very handy 4 months interest free Reviewed on: 8th July 2022
Steven Hoynes's avatar
Steven Hoynes

credit card

5
great service very easy to use more people starting to except it Reviewed on: 8th July 2022
Graham Lovell's avatar
Graham Lovell

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