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PayPal: PayPal Credit reviews

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4.90
Based on 94,803 reviews, last reviewed 5th May 2026
2030450% increase in 5 star reviews
in the past 90 days
5900% 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

Use it a lot to defer and split payments for holiday... Use it a lot to defer and split payments for holidays and tech stuff. The payment scheduling for different plans is confusing Reviewed on: 5th May 2026
Philip W's avatar
Philip W

Latest lowest rating:

2

I previously rated Paypal as a brilliant service and... I previously rated Paypal as a brilliant service and fantastic way of sending money to friends or family but of late had terrible experience. I keep p... Read more Reviewed on: 5th May 2026
Caroline W's avatar
Caroline W
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (94803)

PayPal is not only very secure and safe to use its u...

5
PayPal is not only very secure and safe to use its user friendly quick and easy Reviewed on: 11th June 2024
David L's avatar
David L

Payments and credit

4
Whenever I have needed to make a payment and my funds have been low paypal has been excellent for retaining credit or paying via installments. Reviewed on: 11th June 2024
Glen B's avatar
Glen B

Easy to use, always there if needed, various options...

5
Easy to use, always there if needed, various options of paying back. Reviewed on: 11th June 2024
Geoffrey S's avatar
Geoffrey S

I have used PayPal for many years and highly recomme...

5
I have used PayPal for many years and highly recommend it. Reviewed on: 11th June 2024
Alec's avatar
Alec

Love the app- easy to use and great benefits also.

5
Love the app- easy to use and great benefits also. Reviewed on: 11th June 2024
Amir's avatar
Amir

PayPal Credit is very Handy

5
Used PayPal Credit a couple of times, and found it to be very good with helpful support if required. It’s a shame that it’s not available everywhere at the moment and for the terms to over a longer period. Reviewed on: 11th June 2024
Chris B's avatar
Chris B

PayPal credit is so easy to use it could be worrying...

4
PayPal credit is so easy to use it could be worrying as easily could get into debt Reviewed on: 11th June 2024
Lynsey Beall's avatar
Lynsey Beall

I was approved for credit, the terms were reasonable...

5
I was approved for credit, the terms were reasonable and I paid back in time with no issues Reviewed on: 11th June 2024
Christopher 's avatar
Christopher

Better than many credit cards.

5
I find this option better than many credit cards. I usually use the pay in 3 or pay all in 4 months option. Reviewed on: 11th June 2024
Atta's avatar
Atta

PayPal to the rescue!!

5
I, like many others, live on a tight budget and if I need something I have multiple options for buying items with different budgets. £50-£100 I can 'pay in 3' interest free payments and if it's over £100 I can pay with credit over 4 or 6 months interest free. It feels like PayPal are seemingly the only finance provider that genuinely want to help the 'end user'. Reviewed on: 11th June 2024
Dominic H's avatar
Dominic H

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