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PayPal: PayPal Credit reviews

4.73
Based on 174,092 reviews, last reviewed 9th Jul 2026
1375% increase in 5 star reviews
in the past 90 days
1263% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026
Janusz D's avatar
Janusz D

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th July 2026
Mark P's avatar
Mark P

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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Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (174252)

I am happy with PayPal, whenever I need I can pay wi...

5
I am happy with PayPal, whenever I need I can pay with PayPal credit, good APR,I really recommend it Reviewed on: 22nd April 2026

Always a good service and options for payment

5
Always a good service and options for payment Reviewed on: 22nd April 2026

I’ve had refunds from my PayPal account, which I’ve...

5
I’ve had refunds from my PayPal account, which I’ve already paid for on products I bought and my PayPal account doesn’t seem to take that off when it goes back into my PayPal account Reviewed on: 22nd April 2026

Always happy with PayPal!

5
Always happy with PayPal. I've been using it for years, and I will continue to do so. Reviewed on: 22nd April 2026

Always a smooth transaction and easy to navigate

5
Always a smooth transaction and easy to navigate Reviewed on: 22nd April 2026

App very clear interest free period great too

5
App very clear interest free period great too Reviewed on: 22nd April 2026

Helpful and easy to use

5
PayPal credit is helpful and very easy to use Reviewed on: 22nd April 2026

Easy to use and the flexibility is great.

5
Easy to use and the flexibility is great. Contacted customer support once and they soon sorted my issue immediately. Reviewed on: 22nd April 2026

Seamless processes, simple to understand and use.

5
Seamless processes, simple to understand and use. Reviewed on: 22nd April 2026

Easy to manage however

4
Easy to manage however PayPal credit can be confusing at times. Credit accounts disappear and setting up the direct debt hasn’t worked for me even though my bank account and card are linked to my PayPal. Reviewed on: 22nd April 2026

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