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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (76540 reviews)

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4.90

Based on 76,540 reviews, last reviewed 19th Apr 2026

2371400% increase in 5 star reviews

in the past 90 days

6800% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simplicity and flexibility Easy and simple to use , statements are clear to understand and is very flexible with splitting payment . Reviewed on: 19th April 2026

Latest lowest rating:

1

PayPal push its credit facility without telling you... PayPal push its credit facility without telling you how it adversely affects your credit score even for a nominal amount. I only took it due to the di... Read more Reviewed on: 18th April 2026

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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 (76540)

No fuss and clear app, easy to track

No fuss and clear app, easy to track Reviewed on: 31st May 2024

very happy , 5 stats , number one in Uk

very happy , 5 stats , number one in Uk Reviewed on: 31st May 2024

Hassle free service, no issues, brilliant

Hassle free service, no issues, brilliant Reviewed on: 31st May 2024

The app is very slow and many times it does not work...

The app is very slow and many times it does not work and freezes Reviewed on: 31st May 2024

Great app

Its so easy and quick to use, it makes paying so much easier as you can spread the cost over a long period... also you can buy stuff and pay slowly where as without credit you would not be able buy quicker Reviewed on: 31st May 2024

Nobody else offers 4 months interest free options

Nobody else offers 4 months interest free options on every purchase. There are lots of options that can split in 3, but PayPal is pretty much the only one that gives one extra month compared to the competition. It’s easy to schedule a direct debit that automatically takes the amount you indicate each month (you have to manually divide by 4 though, it’s not provided automatically by them). If you don’t forget to schedule payments and are okay with a little bit of manual work for repayments, it’s a really great tool. Reviewed on: 31st May 2024

So easy and fast to make payments.

So easy and fast to make payments. Reviewed on: 31st May 2024

Paypals great way to send money to friends and family.

Paypals great way to send money to friends and family. Paypal credit is great and super helpful Reviewed on: 31st May 2024

convenient

So convenient, helpful to be able to spread the cost. Great customer service, Reviewed on: 31st May 2024

PayPal credit is better than all my credit cards, no...

PayPal credit is better than all my credit cards, no interest for much longer periods. And easier to use Reviewed on: 31st May 2024

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