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PayPal: PayPal Credit reviews

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4.90
Based on 75,727 reviews, last reviewed 18th Apr 2026
2297600% increase in 5 star reviews
in the past 90 days
6400% 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

Easy to use and reliable credit option I’ve had a good experience with PayPal Credit so far. It’s simple to use, especially when checking out online, and the ability to spread payments has ... Read more Reviewed on: 18th April 2026
Shazabe Qureshi's avatar
Shazabe Qureshi

Latest lowest rating:

2

Frustrating I don’t understand why items that have been refunded still show as an outstanding balance. I am paying for something called Zettle by PayPal but have ... Read more Reviewed on: 18th April 2026
Suzannah W's avatar
Suzannah 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.

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PayPal PayPal Credit reviews (75727)

Great rates

5
Pay pal credit has good and affordable interest rates. I am a happy customer. Reviewed on: 13th June 2022
Christine Campion's avatar
Christine Campion

Great for emergencies

5
Needed for an item needed before payday Reviewed on: 13th June 2022
joanne harris's avatar
joanne harris

So handy and reliable

5
Fantastic service and always on hand and online when I am. Reviewed on: 13th June 2022
Gareth Hicks's avatar
Gareth Hicks

Best flexible payment options

5
Great payment options take 3 0% Reviewed on: 13th June 2022
Mark Mace's avatar
Mark Mace

Easy Peasy!

5
I have been using PayPal for many transactions and have always wondered why I needed intermediary to spend. PayPal credit card fixed that for me! Easy to apply, ready to use…can’t wait to use in store too. Reviewed on: 13th June 2022
Oluwaseun Oluwaranti's avatar
Oluwaseun Oluwaranti

Excellent service

5
Excellent experience No hassles at all Reviewed on: 13th June 2022
KINGSTONE CHIFODYA 's avatar
KINGSTONE CHIFODYA

A great overall option

5
I love PayPal. I get really anxious when buying things online because I’m always worried about being hacked but PayPal allows me to pay through them securely. As well as that I have PayPal credit which has been a great credit option; I can spend the credit it loads of shops and it has come in handy in a lot of situations. I have recommended PayPal to many people and they have all had the exact same experience. We love it! Reviewed on: 13th June 2022
Nadine Hunt's avatar
Nadine Hunt

Quick easy payment plan

5
I was impressed how easy it was to arrange a 4 payment interest purchase Reviewed on: 13th June 2022
Graham Marshall's avatar
Graham Marshall

quality service, easy to usefair credit

5
i use it to purchase online and spread the cost easily once you have set up direcd debit payments are taken easily, customer service is on standby if any issues arise. reccomended Reviewed on: 13th June 2022
chris d's avatar
chris d

Extremely useful and easy to use.

5
Been using PayPal credit for a while now and with the 4 months interest free on over £99 becomes very handy when needing to buy unexpected purchases. Reviewed on: 13th June 2022
Matt's avatar
Matt

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