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PayPal: PayPal Credit reviews

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4.90
Based on 76,964 reviews, last reviewed 19th Apr 2026
2411600% increase in 5 star reviews
in the past 90 days
6900% 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 accepted in almost all retail areas that I... Paypal is accepted in almost all retail areas that I shop... Being able to spreed costs help me budget my household income when raising kids. Reviewed on: 19th April 2026
Joanne F's avatar
Joanne F

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th April 2026
Greg W's avatar
Greg 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 (76964)

Easy, short term borrowing.

5
PayPal Credit is always my first choice when it comes to short term borrowing as it’s 0% over 4 months offer is invaluable. Reviewed on: 13th June 2022
Robert Callan's avatar
Robert Callan

Simple and powerful to use

5
So much easier to make online payments and I find the offers very well placed for consumers. Reviewed on: 13th June 2022
Ram Dev's avatar
Ram Dev

Such an easy to use, flexible, all round 5* Service!

5
I’ve found PayPal credit really easy to use with excellent interest free offers and helpful ways to pay. It’s a fab service and I only wish it had an actual physical card to go with it! Reviewed on: 13th June 2022
GaskGirl's avatar
GaskGirl

Easy, reliable and effective

5
Paypal credit has helped me spread the cost of some big value items, and is also intuitive when making smaller purchases. When I called them I got through very quickly and they answered my query promptly and sufficiently. I aim to continue to use where possible as it is really useful for online purchases and is often my preference. Reviewed on: 13th June 2022
Conor O'Sullivan's avatar
Conor O'Sullivan

Best of the best !

5
Without any problems and stupid questions . Decision in literally 3 sec . You use PayPal everywhere its such a life changing ! Easy to pay back , good promotions I would recommend to everyone ! Reviewed on: 13th June 2022
Sandra's avatar
Sandra

Great all round

5
Bought a bag on Depop using PayPal credit, got interest free for 4 months as usual as item over £99 so great. Sadly had to open a PayPal dispute as item was not as described, process was easy and swiftly resolved by PayPal and I got my money back, would have no hesitation in using PayPal credit again for my next purchase xx Reviewed on: 13th June 2022
Gez Hampson's avatar
Gez Hampson

Great reliable and trusted service

5
I can always count on Paypal as a trusted and reliable service for making purchases safely and efficiently. Worry free payments as when I have had to call PayPal their customer services have always managed to find a resolution. Thanks PayPal! Reviewed on: 13th June 2022
Silverstar's avatar
Silverstar

Flexible credit that works

5
PayPal credit allows me to manage my finances in a flexible manner and has some great offers with partners. Shopping using PayPal credit with the added security and consumer protection is a match made in heaven! Reviewed on: 13th June 2022
Gordon Heaney's avatar
Gordon Heaney

Great service

5
Excellent service as usual, always a pleasure using PayPal services and would reccomend to all. Reviewed on: 13th June 2022
OzOzia's avatar
OzOzia

Simple and effective

5
The application process was entirely painless, the interest free options are varied and useful and the 'vanilla' credit is just like you'll be used to. All in all, a useful and versatile offer that is greatly appreciated. Reviewed on: 13th June 2022
Andrew Stark's avatar
Andrew Stark

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