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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 72,904 reviews, last reviewed 17th Apr 2026
2036700% increase in 5 star reviews
in the past 90 days
5700% 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:

5

I've used PayPal for many years. I've used PayPal for many years. I often get money back from purchases made through PayPal. It's really essential if you wish to see your old items fo... Read more Reviewed on: 17th April 2026
Donna Elizabeth Wiseman's avatar
Donna Elizabeth Wiseman

Latest lowest rating:

1

Breaching FCA rules to force interest charges ​PayPal is refusing to honor my legal right of appropriation under FCA CONC 6.4.2. I have provided funds and clear instructions to settle a 0% promoti... Read more Reviewed on: 16th April 2026
TA's avatar
TA
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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 (72904)

Easy to use and accessible

5
Really pleased, I find it handy to have and easy to use Reviewed on: 8th July 2022
Esther Lim's avatar
Esther Lim

Needs a little tweak

2
The ability to divide a purchase over 4 payments interest free is very handy. My only really issue is if you have multiple purchases you can’t decided which one is paid off and payments just get taken off both. So while I bought and appliance on the 4 month option but an eBay purchase offer of 12 months free I was clearing of the 12 month one faster that I wanted and had to pay more cash to clear the 4 month one. If this is sorted it’ll be great. Reviewed on: 8th July 2022
Steve's avatar
Steve

Honest

5
PayPal credit is very useful and easy to navigate via the app, only issue I have had is trying to set up a direct debit. Besides this excellent service Reviewed on: 8th July 2022
scottkenny807@googlemail.com's avatar
[email protected]

Excellent for Short term credit

5
Excellent for short term credit. Easy to use app. Reviewed on: 8th July 2022
M rahman's avatar
M rahman

Useful interest free period

5
Great for bigger spend where you can use the interest free period. Quick and secure way to pay Reviewed on: 8th July 2022
Carol Clarkson's avatar
Carol Clarkson

Excellent service

5
Excellent service, constant contact and prior notifications , always helpful with any queries Reviewed on: 8th July 2022
Julie 's avatar
Julie

Easy to use

5
Ability to purchase anything you want from all sellers around the world with the knowledge of a fantastic company background Reviewed on: 8th July 2022
Michael Jones's avatar
Michael Jones

Easy to use

5
Good credit option for myself, if split amout for 3 months without interest Reviewed on: 8th July 2022
Igors Fursovs's avatar
Igors Fursovs

Fantastic and works better

5
PayPal has been a great company which helps my family to improve their finances and immediate needs.Previously I was on a higher credit limit and a review was made to reduce my credit limit despite that it has been a fantastic period being with PayPal till date I will continue to recommend PayPal to family and friends,great company and excellent customer service in all aspects of their dealing. Reviewed on: 8th July 2022
jideayeni2001ng@yahoo.com's avatar
[email protected]

Amazing

5
The best credit so far! Easy to use & very useful! Reviewed on: 8th July 2022
Rachel's avatar
Rachel

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