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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181080 reviews)

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4.73

Based on 181,080 reviews, last reviewed 29th Jul 2026

123% increase in 5 star reviews

in the past 90 days

179% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Reliable trusted finance that’s good value Reliable trusted finance that’s good value Reviewed on: 29th July 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 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 (181080)

Easy to use without the Jargon send email with no fu...

Easy to use without the Jargon send email with no fuss great service. Reviewed on: 25th April 2026

The flexibility to pay over time interest free for t...

The flexibility to pay over time interest free for the bigger purchases. The ease of the process. And the customer service has always came to my aide if needed Reviewed on: 25th April 2026

Helpful and good

Very helpful PayPal Credit is basically a revolving line of credit built into your PayPal account (and now also available as a Mastercard you can use anywhere). • Typical APR: ~23.9% variable • 0% interest for 4 months on purchases £99+ (if paid on time) • No annual fee Reviewed on: 25th April 2026

PayPal is easy to use.

PayPal is easy to use. Very convenient, many different options at my fingertips at all times. Never had any issues. Reviewed on: 25th April 2026

So easy to setup

So easy to setup compared to other lenders. Reviewed on: 25th April 2026

Paypal is a much safer way to pay for products bough...

Paypal is a much safer way to pay for products bought on the web. Reviewed on: 25th April 2026

I use PP most of my on line shopping as I trust it.

I use PP most of my on line shopping as I trust it. I know I will have support if needed which gives me confidence Reviewed on: 25th April 2026

I was struggling for a while they helped me get back...

I was struggling for a while they helped me get back on track Reviewed on: 25th April 2026

Good to spread the cost

At times when needed some big value items its good to know i have PayPal credit and able to spread the cost. Reviewed on: 25th April 2026

No problems, excellent service Easy payment plans.

No problems, excellent service Easy payment plans. Reviewed on: 25th April 2026

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