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PayPal: PayPal Credit reviews

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4.90
Based on 82,251 reviews, last reviewed 23rd Apr 2026
2902000% increase in 5 star reviews
in the past 90 days
4250% 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

It's definitely been helpful to be able to use PayPa... It's definitely been helpful to be able to use PayPal on bigger spends when money is tight. Less interest would be nice though Reviewed on: 23rd April 2026
Mike's avatar
Mike

Latest lowest rating:

1

Using PayPal has ruined my Credit score. Using PayPal has ruined my Credit score. Reviewed on: 22nd April 2026
Dominika S's avatar
Dominika S
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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 (82251)

Convinient and handy

5
Very convinient way of payment when short of cash till next month or 4. Using it very often for shopping online. Reviewed on: 13th June 2022
Michal Ur-cz's avatar
Michal Ur-cz

Best Online Service

5
Often a fantastic why to spread the cost my shopping addiction. Reviewed on: 13th June 2022
Jaysuri Roach's avatar
Jaysuri Roach

Quick and easy

5
Like the easy application for the credit and how it works. Reviewed on: 13th June 2022
Arek's avatar
Arek

Super helpful and fair

5
I have used PayPal credit now multiple times over the last year and a half. Having the ability to pay back in 4 months with 0% internet has allowed me to save money and products I wouldn’t normally be able to afford outright. It’s very fair and the app makes it easy to make payments towards paying off the debt. Reviewed on: 13th June 2022
Alex Wint's avatar
Alex Wint

Great for those big purchases you need now!

5
PayPal is great and helps me with those bigger purchases I need. They offer a variety of payment options that are clear and easy to understand. Reviewed on: 13th June 2022
D.B171722's avatar
D.B171722

Great service

5
Clear product, great customer service Reviewed on: 13th June 2022
05-footage.triplet@icloud.com's avatar
[email protected]

Hassle free, seamless experience

5
I jumped on with PayPal credit early on and it’s been brilliant. When I applied m, it took less then a day for them to accept me and for my account to be ready. Since then I make the majority of my online purchases with PayPal credit as I find their already in place interface easy to use. Reviewed on: 13th June 2022
Sam H's avatar
Sam H

Good alternative to card

5
Well paypal credit is good alternative compare to credit card as interest rate is low and also you get plenty option to choose from. Reviewed on: 13th June 2022
Vivek Aryan's avatar
Vivek Aryan

Excellent service and great support.

5
My experience was excellent just simply because of an outstanding customer support and freedom of managing your payments and feeling confident throughout the process. Thank you! Reviewed on: 13th June 2022
Anna's avatar
Anna

Perfect for those online purchases

5
Works perfectly for me when I make purchases over £99 and can use the 0% offer. Makes it a bit easier during these times to spread payments and not worry about interest popping up Reviewed on: 13th June 2022
Suntzini's avatar
Suntzini

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