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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181139 reviews)

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4.73

Based on 181,138 reviews, last reviewed 1st Sep 2026

10% decrease in 5 star reviews

in the past 90 days

2% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

My personal experience with PayPal I’ve personally had a really good experience with PayPal. I’ve found it easy and convenient to use, and I feel confident knowing my payments are handl... Read more Reviewed on: 1st September 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 (181139)

Fab Finance!

Great option for finance, so easy to make payments and great to have the pay in 3 option too. Thanks PayPal! Reviewed on: 19th April 2026

Excellent service from Paypal, always.

Excellent service from Paypal, always. Reviewed on: 19th April 2026

Easy to use, easy to manage.

Easy to use, easy to manage, clear information regarding payments and all round convenient. Reviewed on: 19th April 2026

Had to phone them could not get through once I got t...

Had to phone them could not get through once I got to speak to someone very helpful Reviewed on: 19th April 2026

Tremendous experience everytime I use PayPal.

Tremendous experience everytime I use PayPal. Reviewed on: 19th April 2026

Absolutely brilliant service.

Absolutely brilliant easy to use. Reviewed on: 19th April 2026

Helpful PayPal

Very helpful whenever I have had to phone for support. The 0% interest borrowing is great for the big spends. Reviewed on: 19th April 2026

I didn’t expect much when I first tried PayPal Credi...

I didn’t expect much when I first tried PayPal Credit, but it quickly became one of those tools you don’t realise you need until it’s there. It started with a larger purchase I wasn’t planning for. Normally, I’d either delay it or shuffle money around, but PayPal Credit gave me a different option: spread the cost without the usual friction. No lengthy forms, no awkward redirects, just a smooth, almost invisible process built right into checkout. What stood out wasn’t just the convenience, but the control. Being able to manage payments directly alongside my PayPal activity made everything feel centralised and easy to track. I always knew where I stood, no surprises, no hidden confusion. That said, it’s not something to use blindly. Like any credit product, it works best when you stay disciplined. But used properly, it genuinely takes the pressure off bigger purchases and gives you breathing room when you need it most. In short, PayPal Credit isn’t flashy, but it’s quietly powerful. And once you start using it, it’s hard to go back. Reviewed on: 19th April 2026

Very easy to use and excellent service

Very easy to use and excellent service Reviewed on: 19th April 2026

4 months until paying back , that's very convenient

4 months until paying back , that's very convenient Reviewed on: 19th April 2026

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