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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 75,282 reviews, last reviewed 18th Apr 2026
2256300% increase in 5 star reviews
in the past 90 days
6400% 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

Excellent options Helpful to have this payment option, useful for bigger purchases Reviewed on: 18th April 2026
Lynnie 's avatar
Lynnie

Latest lowest rating:

2

Frustrating I don’t understand why items that have been refunded still show as an outstanding balance. I am paying for something called Zettle by PayPal but have ... Read more Reviewed on: 18th April 2026
Suzannah W's avatar
Suzannah W
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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (75282)

PayPal are a loyal team and will ensure that as a cu...

5
PayPal are a loyal team and will ensure that as a customer you are treated fairly and fight your corner regarding refund and I feel safe using this service. Reviewed on: 1st June 2024
Gee C's avatar
Gee C

Easy to use and interest free for 4 months - useful...

5
Easy to use and interest free for 4 months - useful product and very clear terms Reviewed on: 1st June 2024
Katie B's avatar
Katie B

Easy to use, only recommendation is the option to se...

5
Easy to use, only recommendation is the option to select interest free payments individually to pay off to stop any interest clearly Reviewed on: 1st June 2024
Nicholas 's avatar
Nicholas

I have used PayPal Credit since it launched and have...

5
I have used PayPal Credit since it launched and have always found their interest rates to be excellent. I have unwisely bought things from different countries twice only to find the items didn't exist. Each time PayPal got me the money back (lesson learned). Thanks PayPal credit. Reviewed on: 1st June 2024
David S's avatar
David S

Quick and easy to use - I just wish it was accepted...

5
Quick and easy to use - I just wish it was accepted in more places. I can spread the cost and pay off big purchases. I have used it for a holiday recently and I will be doing it again. Reviewed on: 1st June 2024
RAH's avatar
RAH

Helpful and efficient.

5
Always there to help if I have any concerns. Excellent customer service and support Reviewed on: 1st June 2024
Estelle C's avatar
Estelle C

PayPal credit is a great way to pay things up intere...

5
PayPal credit is a great way to pay things up interest free I love it Reviewed on: 1st June 2024
Nikki N's avatar
Nikki N

PayPal credit is great I use it often its simple and...

5
PayPal credit is great I use it often its simple and clear, it allows me to spead the cost of smaller or larger items alot of retailers accept PayPal payments I either use normal credit or spend over three. Reviewed on: 1st June 2024
StephAnie's avatar
StephAnie

helpful to achieve my financial goals

4
PayPal credit has been very helpful to achieve my financial goals. I love the flexibility it offers to my bills. There are still so many other options that I haven't used yet, however I know its available for when I would need it. Reviewed on: 1st June 2024
Felipe Z's avatar
Felipe Z

Great way to shop and spread the cost of purchases

5
Great way to shop and spread the cost of purchases without giving account or card details to multiple shops Reviewed on: 1st June 2024
Steve H's avatar
Steve H

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