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PayPal: PayPal Credit reviews

4.90
Based on 75,437 reviews, last reviewed 18th Apr 2026
2270700% 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%
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1%
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0%
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Latest highest rating:

5

PP is very easy to use to pay for goods, and the pay... PP is very easy to use to pay for goods, and the pay in 3 is excellent. Reviewed on: 18th April 2026
Kerry W's avatar
Kerry W

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

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 (75437)

A Great Tool with amazing support

5
PayPal credit is a really useful tool for me. It’s helped me grow my business when business credit was not available as a startup. customer service has always been super helpful and clear. I’m very grateful for its existence and the support. Reviewed on: 1st June 2024

PayPal credit - spread the cost

5
PayPal credit lets me pay for large items over a number of months with no fees, excellent. Reviewed on: 1st June 2024

Always ready to understand your financial position a...

5
Always ready to understand your financial position and help in terms of payment holidays etc Reviewed on: 1st June 2024

Easy, quick and reliable It is the safest way to pay...

5
Easy, quick and reliable It is the safest way to pay and the least chance of scam. Reviewed on: 1st June 2024

PayPal has been great

5
Been with PayPal for a number of years now and have been great from start to now. Never really had a issue with them and using the pay monthly options available it’s been a lot easier to manage money and buy stuff that might have been slight more than I could manage Reviewed on: 1st June 2024

Smooth, safe, effortless transactions, online, using...

5
Smooth, safe, effortless transactions, online, using Face ID. Uncomplicated full-balance return payments. Wish I could also use it for Amazon purchases. Total confidence using PayPal credit for purchasing. Reviewed on: 1st June 2024

Very clear terms and conditions, the best thing is...

5
Very clear terms and conditions, the best thing is the option to pay interest free if paid before interest is accrued!! I can not fault the communication! Reviewed on: 1st June 2024

I always feel like my PayPal account is very secure.

5
I always feel like my PayPal account is very secure. Reviewed on: 1st June 2024

Great facility

5
I have used paypal credit to buy a lot of large purchases and have never had any problems it's a great facility for spreading the payments and I'm always alerted when a payment is due and how much it will be Reviewed on: 1st June 2024

Despite pretty decent credit scores, paying everythi...

4
Despite pretty decent credit scores, paying everything on time, and PayPal credit not affecting credit scores, I find it extremely difficult to have my credit limit raised. Reviewed on: 1st June 2024

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