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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146233 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th 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 (146233)

Signup discount, ease of setup.

PayPal offered a good signup discount, and was easy to set up a direct debit. Reviewed on: 27th June 2026

good overall,but not being able to pay off individua...

good overall,but not being able to pay off individual purchases in paypal credit is a real letdown Reviewed on: 27th June 2026

Easy to use and access and great that most websites...

Easy to use and access and great that most websites use it Reviewed on: 27th June 2026

PayPal rewards has been the best addition to the ser...

PayPal rewards has been the best addition to the service. I've been able to spend my points in lots of different retailers. Reviewed on: 27th June 2026

It's good but I do wish money was quicker processed...

It's good but I do wish money was quicker processed when you make a payment and when a payment hasn't gone through to recognise it and come back to you instead of staying pending for 48hours. Reviewed on: 27th June 2026

easy, straight forward and uncomplicated way to pay.

I have used PayPal Credit for a couple of years now. I find it an easy way to spread the cost of luxury items without breaking my budget. Just be responsible, make sure you can afford the repayments and you will find PayPal Credit an excellent financial partner. The repayments are pretty competitive and if you want to pay more than your monthly minimum you can. Straight forward and uncomplicated just the way I like it. Your account is easily accessible on the Paypal app so you can keep a close eye on how you are doing. There is even an interest hold if you pay your balance before the payment is due. Reviewed on: 27th June 2026

Excellent Service you can change your payment schedule

Excellent Service you can change your payment schedule Reviewed on: 27th June 2026

Fab- no pressure credit

Fab- no pressure. Pay in 3 with no interest is ideal - love using paypal Reviewed on: 27th June 2026

Always use PayPal it’s safe secure and supports my f...

Always use PayPal it’s safe secure and supports my financial needs Reviewed on: 27th June 2026

Easy to use protection guarantee

Easy to use protection guarantee Reviewed on: 27th June 2026

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