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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

They've helped me in my toughest situations so they...

They've helped me in my toughest situations so they are good. Reviewed on: 17th April 2026

All good very useful to have pay in 3 used it quite...

All good very useful to have pay in 3 used it quite a few times Reviewed on: 17th April 2026

Is PayPal Credit Worth It? My Take

I’ve been using PayPal Credit for a while now, and overall it’s been a convenient option for spreading out payments on larger purchases. The application process was quick and straightforward, especially since I already had a PayPal account. Once approved, it was immediately available as a payment option at checkout, which made things very easy. One of the biggest advantages is the promotional financing, like 0% interest for a set period on qualifying purchases. This can be really helpful if you’re disciplined about paying it off within the promotional window. However, if you miss that deadline, the interest can be quite high, and it’s applied retroactively, which is something to watch out for. The interface is simple and integrates seamlessly with PayPal, so managing payments and tracking balances is pretty intuitive. That said, customer support can sometimes be slow to respond, and resolving disputes or billing questions may take longer than expected. Overall, PayPal Credit is a useful financial tool if used carefully. It’s great for flexibility and convenience, but it requires responsible management to avoid high interest charges. Reviewed on: 17th April 2026

I've been using PayPal credit for years now.

I've been using PayPal credit for years now. Its a really convenient way to pay for goods over short or long term credit. Reviewed on: 17th April 2026

Prefer to pay most things through paypal credit as i...

Prefer to pay most things through paypal credit as it is safe, quick and you able to pay in installments Reviewed on: 17th April 2026

0% interest for 4 months over £99

Use it quite often, recently purchased a new smartphone using PayPal credit Reviewed on: 17th April 2026

Good rates.

Good rates.. easy to access.. good offers and best security Reviewed on: 17th April 2026

Piece of mind with purchases

Easy to use and piece of mind with purchases Reviewed on: 17th April 2026

Always supported me with what I want or need.

Always supported me with what I want or need. Reviewed on: 17th April 2026

Very simple to navigate around the app

Very simple to navigate around the app Reviewed on: 17th April 2026

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