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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145248 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 2026

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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 (145248)

To easy and help me buying my new phone

To easy and help me buying my new phone Reviewed on: 13th June 2026

Always great to use PayPal credit.

Always great to use PayPal credit. I can buy things and get time to pay. Reviewed on: 13th June 2026

Good experience.

Good experience using PayPal. Its convenient and easy to use. Reviewed on: 13th June 2026

Very easy to use, and purchases are covered if anyth...

Very easy to use, and purchases are covered if anything happens Reviewed on: 13th June 2026

You get an offer (0% interest for 4 months) on one p...

You get an offer (0% interest for 4 months) on one purchase but all of your monthly payment comes off this, so you end up paying intrest on other purchases that don't have this offer. You should have the option to pay off the ones without the offer first. Also pending transactions can take up to a week to be added to your account, so it makes keeping track of the account harder. It never used to be this bad. Reviewed on: 13th June 2026

My Credit Paypal

On-line is simple and easy to use. You can pay certain amount or pay the lot off, which is an easy way of being flexible. You can check your statement balance anytime. Its benefit if you need extra credit eg: food shopping, or paying a bill. Its a nice flexible credit card to have just in case. I highly recommned it. Reviewed on: 13th June 2026

Great for Budgeting with Pay in 4

PayPal Credit has been really useful and easy to use. The Pay in 4 feature is especially great, letting me spread the cost of purchases into manageable interest-free payments. The application process was straightforward, payments are clearly tracked in the app, and it helps with budgeting without any hassle. Highly recommended. Reviewed on: 13th June 2026

Honest, fast response in resolve issues

Honest, fast response in resolve issues Reviewed on: 13th June 2026

Never an issue.

Never an issue. Smooth as silk transactions Reviewed on: 13th June 2026

Simple process

I use PayPal regularly for online purchases and was offered a credit card presumably, due to that history.. I do not use credit cards as a rule but the apr on this card didn’t look out of step with other major suppliers, the initial credit limit was reasonable & 4 month interest free repayments on purchases >£99 made it appealing. The application process was very simple and speedy. Reviewed on: 13th June 2026

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