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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 119,459 reviews, last reviewed 3rd Jun 2026
3166000% increase in 5 star reviews
in the past 90 days
9300% 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%
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0%
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0%

Latest highest rating:

5

PayPal is simple and easy to navigate making life a... PayPal is simple and easy to navigate making life a lot easier. I love the app and all the features. I like that I can see all my balances at a glance... Read more Reviewed on: 3rd June 2026
Natasha W's avatar
Natasha W

Latest lowest rating:

1

Poor credit provider Weather you pay on time or no only rich people get more credit Reviewed on: 2nd June 2026
HN's avatar
HN
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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 (119459)

Clear, easy to use, transparent charges

5
Clear, easy to use, transparent charges Reviewed on: 27th May 2025
Neil W's avatar
Neil W

Positive experience, only one small bit of criticism.

5
PayPal credit is easy to use and access, and the application process is also straightforward. Making your monthly payments is made easy as you have to option to use your PayPal balance, a debit/credit card or simply set up a direct debit. PayPal credit also offers 0% interest on purchases over £100 (if paid back in full by 4 months after purchase date) which I think is great as no one wants to spend more than they need to, especially in this day and age. If I have one piece of criticism, it would be that usually payments made towards your PayPal credit balance take days to clear, which can be quite frustrating for obvious reasons. Other than that my experience with PayPal credit has been positive overall. Reviewed on: 27th May 2025
Tiernan McD's avatar
Tiernan McD

Trustworthy PayPal

5
I trust PayPal and use it whenever possible for online purchases. It hasn’t failed me yet! With more sites giving the option to use PayPal it’s really made life easier. Reviewed on: 27th May 2025
Liz Derbyshire's avatar
Liz Derbyshire

Excellent credit provider - quick and easy to use.

5
Excellent credit provider - quick and easy to use. Reviewed on: 27th May 2025
Rachel's avatar
Rachel

Simple and easy to use.

5
Been with PayPal a looong time and use my account on a regular basis with buying online. Reviewed on: 27th May 2025
Margaret Anderson's avatar
Margaret Anderson

Reliable and Convenient Finance Partner

5
I’ve had a great experience using PayPal as a finance provider. It’s user-friendly, secure, and offers flexible payment options that make online transactions and budgeting much easier. Their support for “Pay in 3” and quick integration with e-commerce platforms makes them a dependable partner for both personal and business use. Highly recommended for anyone looking for a hassle-free digital finance solution. Reviewed on: 27th May 2025
SSRN's avatar
SSRN

I had a problem with an item I ordered but didn't wa...

5
I had a problem with an item I ordered but didn't want and they refunded me straight away. Reviewed on: 27th May 2025
Paula Baker 's avatar
Paula Baker

have used paypal for many years, never had issues!

5
have used paypal for many years and never had issues with the service and user functionality has always been very intuitive. Reviewed on: 27th May 2025
Blair 's avatar
Blair

Safety first

5
I feel safe using PayPal as I know if there are any problems they have my back and will help my case. The site is so easy to use and check anything online. I never buy anything now if it does not have PayPal. Reviewed on: 27th May 2025
Trudy C's avatar
Trudy C

I love that I can use the pay in 3 option.

5
I love that I can use the pay in 3 option. It makes everything so much easier. Reviewed on: 27th May 2025
Aikaterini 's avatar
Aikaterini

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