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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 63,977 reviews, last reviewed 14th Apr 2026
1213500% increase in 5 star reviews
in the past 90 days
3700% 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

Easy to use and to track spending and like the benef... Easy to use and to track spending and like the benefits you get with the account Reviewed on: 14th April 2026
Vicky Y's avatar
Vicky Y

Latest lowest rating:

2

I notice PayPal reduces your amount yearly and I don... I notice PayPal reduces your amount yearly and I don't understand. Reviewed on: 14th April 2026
Rosemarie A's avatar
Rosemarie A
Read all reviews Write a review

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 (63977)

Amazing

5
PayPal are amazing credit users. The payback fee is very little and the Apr is very little too. I'd recommend this to everyone. Reviewed on: 11th August 2022
Conor's avatar
Conor

Great back up during tricky times!

5
Having PayPal credit has been great to use as a fall back during those tricky times. It has been easy to pay off and the interest rates are reasonable. Also great to have the option to set up a direct debit so you don’t forget repayments! Reviewed on: 11th August 2022
Qasim's avatar
Qasim

Wonderfully easy to use

5
Easiest credit card I’ve ever had. Just log in and pay! Reviewed on: 11th August 2022
Peter clinton's avatar
Peter clinton

Good idea but limited places to physically use it

3
Good customer service and experience but has a few downsides 1- direct debits come out 5 days after the say e.g had a dd due to leave the account on the 6 it left my acount account on the 11th 2-limited use to mainly major online retailers very few small businesses or shops use them hence limited market access 3 - you can't use it instore Reviewed on: 11th August 2022
Dtm061993's avatar
Dtm061993

Just simple and understandable

5
Credit system simple and clear app account is great and not confusing. Reviewed on: 11th August 2022
alan clemie's avatar
alan clemie

Thank you PayPal

5
Fantastic service love PayPal and always do my transactions with PayPal Reviewed on: 11th August 2022
Atmane 's avatar
Atmane

A massive help

5
PayPal’s credit service has been a massive help to me. It has allowed me to manage my payments better. Reviewed on: 11th August 2022
Jamandro's avatar
Jamandro

Free Freedom

5
PayPal credit allows customers to purchase the products or services they deserve. It is easy to use, very secure and can be easily managed. I would strongly recommend you give it a good shot. Reviewed on: 11th August 2022
DAVID TANDI's avatar
DAVID TANDI

Flexible payments brilliant

5
Great all round service especially the choice of how to pay !! Reviewed on: 11th August 2022
Allison Milliner's avatar
Allison Milliner

Very good service

5
I’m very happy to PayPal service Reviewed on: 11th August 2022
Mostaque chowdhury's avatar
Mostaque chowdhury

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