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PayPal: PayPal Credit reviews

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4.90
Based on 86,289 reviews, last reviewed 26th Apr 2026
1637050% increase in 5 star reviews
in the past 90 days
4600% 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:

4

I use PayPal for credit purchases. I use PayPal for credit purchases. They make 3 or 4 months free for purchases. Great value. Reviewed on: 26th April 2026
Okan's avatar
Okan

Latest lowest rating:

2

interface is not clear. interface is not clear. i had massive problem to pay paypal credit by using wallet cards. old interface like 5y sgo was way better. i hate it so much ... Read more Reviewed on: 26th April 2026
rafal's avatar
rafal
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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 (86289)

I am very satisfied with the paypal service

5
I am very satisfied with the paypal service Reviewed on: 4th June 2024
Vangjel K's avatar
Vangjel K

Safest way for buying selling and transfering money

5
Iv used paypal for years, for buying online and sending money, also to recieve money! All smooth and hassle free, Iv also used paypal credit when funs are low and can cancel when paid off and no longer need! At the moment im using pap pal pay in 3, this means 3 smaller payments rather than one big payment when buying online, can pay of sooner also, I really love paypal, the safest way to buy with great help when things go wrong as I have bought an item that never arrived and paypal sorted it out and returned my money, dont get service like that anywhere else! Reviewed on: 4th June 2024
Lauren A's avatar
Lauren A

PayPal credit is really helpful for splitting costs

4
PayPal credit is really helpful for splitting costs Reviewed on: 4th June 2024
Jo h's avatar
Jo h

Good and easy

5
Good east to understand very handy to use Reviewed on: 4th June 2024
Wajid A's avatar
Wajid A

PayPal credit and pay in 3 have really helped me buy...

5
PayPal credit and pay in 3 have really helped me buy things in need and pay back quickly. Reviewed on: 4th June 2024
N i's avatar
N i

Great Security

5
So easy and safe to use, protects data, great security. PayPal credit also gives interest free credit. Reviewed on: 4th June 2024
Kim H's avatar
Kim H

PayPal credit is the best!

5
Ever since the launch of PayPal credit, I have not used any other credit platform for my purchases. The flexibility it offered right from the start helped me build my credit record tremendously over the last 10 years and now I am hovering on excellent credit scores from the two major credit agencies. I have been able to perform several key transactions and arrange several travels because of their “Pay in 3” option and they also review and increase my credit rating automatically over time which also helps with my credit management. I would recommend it to anybody ten times over if I could. Reviewed on: 4th June 2024
Noa Cosmic's avatar
Noa Cosmic

Best Credit Experience

5
Using it for a while, love the 4 months, gives me plenty of time to pay off credit. You always know where you are with it too, when payments are needed, and how much to avoid interest. Reviewed on: 4th June 2024
Josh P's avatar
Josh P

Best 3rd party payment gateway

5
The ease, convenience and acceptance, makes PayPal my only 3rd party payment portal + addition of PayPal credit Reviewed on: 4th June 2024
Oye Jaiyeola's avatar
Oye Jaiyeola

£20 credit incentive is brilliant.

5
The £20 off first credit order is a brilliant incentive. I used it recently for a theatre trip which was otherwise slightly out of my budget but the £20 off helped towards this meaning I can enjoy what will be my first night out post birth in July with my friends. Reviewed on: 4th June 2024
Samantha S's avatar
Samantha S

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