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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (71641 reviews)

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4.90

Based on 71,641 reviews, last reviewed 16th Apr 2026

1920100% increase in 5 star reviews

in the past 90 days

5400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Used these services for many years, very convenient Used these services for many years, very convenient Reviewed on: 16th April 2026

Latest lowest rating:

2

I wouldn't recommend credit to anyone who doesn't ne... I wouldn't recommend credit to anyone who doesn't need it. Credit and credit scores are a scam. Reviewed on: 16th 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 (71641)

I have always been rather afraid of credit, which is...

I have always been rather afraid of credit, which is why I have only ever owned one credit card with a low credit limit. So I was initially sceptical and hesitant when PayPal Credit was introduced. Now I am so happy that I decided to give it a try! I really like how easy and straightforward it is to use. The notifications sent by Paypal are an excellent feature which helps me keep track of my payments and avoid late payment fees. And the 0% interest for four months means I can indulge myself without going off budget. Thanks to PayPal Credit my dream purchases can be made a reality! Reviewed on: 17th May 2024

The app is very user friendly and the services are e...

The app is very user friendly and the services are easy to use. Reviewed on: 17th May 2024

Love for PayPal

It is my great decision to choose PayPal for a peaceful life Reviewed on: 17th May 2024

Having to use PayPal credit has allowed more economi...

Having to use PayPal credit has allowed more economical financial advantage against using my credit card. No interest for 4 months when you spend more than 100£ credit is really cool Reviewed on: 17th May 2024

Re-payments

The way the repayments are done if you have multiple loans is not very clear, difficult to get an answer which in the end proved to be not easy to understand. More transparency is needed in this matter and to make things easier to manage for multiple loans. Reviewed on: 17th May 2024

Love paypal!

Paypal has made my life so easy by offering payment options 0% interest for month . I can manage my salary better and have less worries whilst buying anything because I can pay in parts. Reviewed on: 17th May 2024

So simple to use.

So simple to use. Never an issue. Would highly recommend Reviewed on: 17th May 2024

I have been using PayPal since 2011 and it has been...

I have been using PayPal since 2011 and it has been great, great customer service and support great safe platform. I highly recommend it to everyone Reviewed on: 17th May 2024

Not very user friendly but sometimes it's useful fo...

Not very user friendly but sometimes it's useful for credit and use to improve my credit history Reviewed on: 17th May 2024

I feel safe when making online transactions through...

I feel safe when making online transactions through PayPal. Reviewed on: 17th May 2024

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