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PayPal: PayPal Credit reviews

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4.91
Based on 56,541 reviews, last reviewed 7th Apr 2026
530600% increase in 5 star reviews
in the past 90 days
1500% 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

Fantastic service! Fantastic service! Customer Service has been phenomenal and the credit options are fantastic with the current state of the financial world!! Reviewed on: 7th April 2026
Rebecca's avatar
Rebecca

Latest lowest rating:

1

Great service. Great service. Easy to understand terms and conditions and fantastic communication. Reviewed on: 7th April 2026
Valerie B's avatar
Valerie B
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (56541)

Almost Perfect.

4
Used regularly with some great buy now and pay later options. My only gripe, hence the 4 starts, is that currently you cannot choose what installment you would like to pay manually. Reviewed on: 8th July 2022
Jason Wragge's avatar
Jason Wragge

Easy, simple & straightforward

5
Really easy way to spread the cost Reviewed on: 8th July 2022
Peter Magee's avatar
Peter Magee

Amazing service

5
Great service, make ms things easily affordable for families. Reviewed on: 8th July 2022
DavidsonManalang's avatar
DavidsonManalang

Super Easy and a god send at the moment!

5
Money is super tight and sometimes emergency spending is completely unavoidable. SO, Paypal credit has helped me out so much during the pandemic and still now during the money squeeze in the UK. I am able to payback monthly with very reasonable instalments and as I have been doing so well In paying back *again its set up automatically so its no stress* I was offered a larger credit limit and was able to feel even more secure in my finances! Would recommend :) Reviewed on: 8th July 2022
Sophie Allen's avatar
Sophie Allen

Very handy

4
Very handy, specifically interest free 4 months promotional period, less interest rate than others with same credit score Reviewed on: 8th July 2022
Sayedullah Shahid's avatar
Sayedullah Shahid

Easy

5
So easy to use … very flexible ! I’m impressed Reviewed on: 8th July 2022
Lilyfd Fd's avatar
Lilyfd Fd

Forever recommending Paypal Credit to friends and family!

5
I now avoid all credit card lenders and ONLY use PayPal credit. The fact you don't have to pay ANY interest until after 4 months (which 9/10 times Is paid before it gets to that point) is amazing! Huge help for last minute things you need to buy anywhere from a birthday present you forgot or to replace a household appliance that broke - This is very helpful for all situations without Suprise costs or worry over being screwed over financially for borrowing Reviewed on: 8th July 2022
Mrs Bourne's avatar
Mrs Bourne

Love PayPal

5
Love PayPal! Always gives offers and little charge!!! So happy to be with PayPal!!! Reviewed on: 8th July 2022
Madinat Beare 's avatar
Madinat Beare

Great and easy to use

5
I have found that using pay pal is easy and convenient . Reviewed on: 8th July 2022
steve rhodes's avatar
steve rhodes

Amazing service

5
Paypal is an amazing service specially their 4 month interest free payment service superb costumer support. Highly recommend Reviewed on: 8th July 2022
Syed Waqas Ahmad's avatar
Syed Waqas Ahmad

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