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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (143616 reviews)

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4.73

Based on 143,616 reviews, last reviewed 21st Jun 2026

4265500% increase in 5 star reviews

in the past 90 days

12300% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

I really appreciate the 0% APR offers. I really appreciate the 0% APR offers. It enables me to split the payments without worrying that my debt is increasing. It is also very easy to set up... Read more Reviewed on: 21st June 2026

Latest lowest rating:

1

Very good i receive reminders when payment due Very good i receive reminders when payment due Reviewed on: 20th June 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.

PayPal PayPal Credit reviews (143616)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

I had a very good experience with PayPal.

I had a very good experience with PayPal. Reviewed on: 10th June 2026

Simple, Seamless, and Helpful for Larger Purchases

I’ve found PayPal Credit to be a convenient and flexible payment option, particularly when making larger purchases online. The main advantage is the ability to spread the cost over time, often with promotional interest-free periods, which can be really helpful for budgeting. The application process was straightforward, and once approved, it integrated seamlessly with my existing PayPal account. This makes checkout quick and easy, without needing to enter additional payment details. I also appreciate the clarity of the statements and the ability to manage payments online. However, it’s important to stay on top of repayments. If you don’t pay off the balance within the promotional period, the interest rates can be quite high, which can add up quickly. The terms and conditions need to be read carefully to avoid unexpected charges. Additionally, it would be helpful if there were more reminders or clearer prompts about upcoming deadlines for promotional offers. Overall, PayPal Credit is a useful tool if used responsibly. It offers flexibility and convenience, but it’s best suited to those who can manage repayments carefully and understand the terms. Reviewed on: 10th June 2026

Very helpful snd very easy to understand the credit

Very helpful snd very easy to understand the credit Reviewed on: 10th June 2026

Many ways of spending & spreading payments

Many ways of spending & spreading payments Reviewed on: 10th June 2026

Pay pal is good for payments but their credit system...

Pay pal is good for payments but their credit system isnt great Reviewed on: 10th June 2026

It’s a very good service.

It’s a very good service. My wife had a problem with a fraudulent retailer and PayPal investigated and found in her favour, and we were refunded. Reviewed on: 10th June 2026

Easy to use & great customer service

Easy to use & great customer service on the times I've had to contact Reviewed on: 10th June 2026

Safe option and can spread payments on larger items.

Safe option and can spread payments on larger items. Reviewed on: 10th June 2026

Doing exactly what they say they will do

Doing exactly what they say they will do Reviewed on: 10th June 2026

20 years of smooth payments

I've used PayPal for over 20 years and generally find it the simplest payment method. Reviewed on: 10th June 2026

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