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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 136,119 reviews, last reviewed 11th Jun 2026
3924300% increase in 5 star reviews
in the past 90 days
10900% 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

Very good and easy to use. Very good and easy to use. Would definitely recommend to everyone Reviewed on: 11th June 2026
Nes's avatar
Nes

Latest lowest rating:

1

There's no solution offered to my issue There's no solution offered to my issue Reviewed on: 11th June 2026
Melissa Glasgow's avatar
Melissa Glasgow
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (136120)

Very handy to have an revolving line of credit there...

5
Very handy to have an revolving line of credit there in case you need it Reviewed on: 8th June 2026
Gary W's avatar
Gary W

Always found PayPal very clear and easy to use.

5
Always found PayPal very clear and easy to use. Has always worked as expected for me. Reviewed on: 8th June 2026
Alban H's avatar
Alban H

No Interest, No Worries

5
I’ve had a really positive experience using PayPal Credit. One of the biggest advantages for me is the flexibility it offers, especially when purchasing higher-cost items. It’s great knowing I can spread the payments over time rather than paying everything upfront. What stands out most is the option to pay no interest over 4 months on qualifying purchases. This has made it much easier to manage my budget, particularly for larger expenses, without worrying about extra charges as long as I pay it off in time. The application process was straightforward, and once approved, it’s very convenient to use at checkout whenever PayPal is accepted. Everything is clearly laid out, so it’s easy to keep track of payments and due dates. Overall, PayPal Credit is a really useful option if you want a bit more financial flexibility and a simple way to handle bigger purchases without immediate pressure. Reviewed on: 8th June 2026
Sarah M's avatar
Sarah M

Excellent customer service and facilities.

5
Excellent customer service and facilities. Reviewed on: 8th June 2026
Marian T's avatar
Marian T

Very handy addition to have

5
No problems at all. Easy to use. So many places to spend and options to pay. Have had this for a few months now and use it regularly Reviewed on: 8th June 2026
Leona's avatar
Leona

Easy and secure to use

5
Easy and secure to use, doesn't need additional input of card details and I know my purchase is protected. Reviewed on: 8th June 2026
NM's avatar
NM

only had to contact paypal once but customer service...

5
only had to contact paypal once but customer service was excellent Reviewed on: 8th June 2026
Steven J's avatar
Steven J

Convenient and flexible ways to manage my finances.

5
So easy to use and excellent choice in terms of ways to pay. I particularly love Pay in 3, which is interest free. Reviewed on: 8th June 2026
Tracy Qerimi's avatar
Tracy Qerimi

No one does it like PayPal

5
I have used PayPal credit over the past 6 or more years for all size of purchases from 55”screen televisions to a cheeky cosmetic shopping splurge and have always found it to be convenient and a great option especially when I budget for it correctly and pay off the amount completely interest free. Reviewed on: 8th June 2026
Theresa H's avatar
Theresa H

I pay with PayPal for nearly all of my transactions,...

5
I pay with PayPal for nearly all of my transactions, it’s safe, and can really on them for help if needed, I find it’s very useful having pay pal credit if needed when I'm a bit short or need more expensive items and can pay back in smaller amounts, I have recommend using pay pal to all my friends and family Reviewed on: 8th June 2026
Kerry B's avatar
Kerry B

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