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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 79,100 reviews, last reviewed 20th Apr 2026
2609600% increase in 5 star reviews
in the past 90 days
7600% 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

PayPal is a safe way to pay online , PayPal credit i... PayPal is a safe way to pay online , PayPal credit is good for spreading the cost over a longer period although it’s a little expensive, pay in 3 is b... Read more Reviewed on: 20th April 2026
Rachel G's avatar
Rachel G

Latest lowest rating:

1

PayPal credit is difficult to use when you want to p... PayPal credit is difficult to use when you want to pay off everything before interest is charged. Reviewed on: 20th April 2026
GC's avatar
GC
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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 (79100)

Very helpful when you need something but don’t quite...

5
Very helpful when you need something but don’t quite have the funds Reviewed on: 17th May 2024
Jennifer B's avatar
Jennifer B

Credit score improvement.

5
I've been using PayPal for about 7 years and has made a massive impact on my credit score without the need to have an actual credit card. Reviewed on: 17th May 2024
David Leon's avatar
David Leon

Makes my hobbies and essentials easier being able to...

5
Makes my hobbies and essentials easier being able to spread the cost on items interest free over a 1/3 of a year Reviewed on: 17th May 2024
Mark-Antony Fitzpatrick-Howard's avatar
Mark-Antony Fitzpatrick-Howard

I use PayPal a lot .

5
I use PayPal a lot . Huge choice of places I can use PayPal credit with some items offering 12 months interest free. Reviewed on: 17th May 2024
woodsmarie42@gmail.com's avatar
[email protected]

Trusted service!

5
Easy to use, trustworthy and choices for payment options. Helps me spread the cost of more expensive items. Reviewed on: 17th May 2024
Karen B's avatar
Karen B

Very handy and helpful

5
Very handy to have PayPal Credit for unexpected payments in the monthly budget. Even more handy to use it with Curve card. Thanks Reviewed on: 17th May 2024
Zhivka M's avatar
Zhivka M

Short of Cash, PayPal will back you up!

5
It is just very quick and simple to use. I know my limit an dpay it off in regular installments as not to accue interest. Reviewed on: 17th May 2024
Karl Hedley's avatar
Karl Hedley

Super quick & added security

5
I use PayPal for most of my online purchases, added security is a real bonus and it’s so quick & easy to do everything in the phone app. Reviewed on: 17th May 2024
Anne G's avatar
Anne G

Easy to use but hard to cancel payments

5
Easy to use but hard to cancel payments Reviewed on: 17th May 2024
Martin A's avatar
Martin A

Really quick and simple to use.

5
Really quick and simple to use. Can use PayPal credit on most websites now making it easier to spread the cost over 4 months. The 0% interest on 4 months offer is really helpful in enabling to pay for items over time without worrying about added interest. You can also pay off early through the PayPal app which is also super helpful. Reviewed on: 17th May 2024
Rachel 's avatar
Rachel

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