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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146149 reviews)

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4.73

Based on 146,027 reviews, last reviewed 29th Jun 2026

4374900% increase in 5 star reviews

in the past 90 days

12550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great for new home Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making m... Read more Reviewed on: 29th June 2026

Latest lowest rating:

2

I am requesting a full investigation into my PayPal... I am requesting a full investigation into my PayPal Credit account because I believe there may be an error in the way my account has been calculated. ... Read more Reviewed on: 29th 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 (146149)

Review of the PayPal, PayPal Credit:

A must have!

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

a fantastic journey with paypal.

It's been a fantastic journey with paypal. I've really enjoyed the free interest credit and the 3 month payment terms. I can fault paypal in any way and most retailers allow payment using paypal. Thank you Reviewed on: 11th June 2026

Convenient and Flexible Credit Option.

I've been using PayPal Credit for a while and overall it's been a useful way to spread the cost of larger purchases. The application process was straightforward, and once approved, it was easy to use at checkout with participating retailers. One of the biggest advantages is the promotional financing offers, such as 0% interest on qualifying purchases if paid off within the specified period. This can be a great option for managing cash flow and avoiding upfront costs. The PayPal app and website also make it simple to track balances, payments, and due dates. However, it's important to read the terms carefully. If the balance isn't paid off within the promotional period, interest can be charged from the purchase date, which can make borrowing much more expensive. Customer service has generally been helpful, although response times can vary during busy periods. Overall, PayPal Credit is a convenient and flexible payment option for responsible borrowers who can keep track of repayment deadlines. I'd recommend it for larger planned purchases, but only if you're confident you can meet the repayment terms and avoid interest charges. Reviewed on: 11th June 2026

Very easy to use and great product availability

Very easy to use and clear. Great product availability Reviewed on: 11th June 2026

Often use PayPal credit for my business , I find it...

Often use PayPal credit for my business , I find it really straight forward to log in and pay! A lot easier than putting card details in when you’re in a rush! Any issues which are very rare I get to speak to someone straight away. Always death with promptly Reviewed on: 11th June 2026

Secure and reliable

PayPal have always been there to help if ever I've had a problem with a purchase. I have peace of mind knowing that if I but something using PayPal that my money is protected Reviewed on: 11th June 2026

Easy, simple and safe!.

PayPal is easy and safe to use. Accessible and great sending money privately or simply shopping Reviewed on: 11th June 2026

It works very well and does exactly what it says...

It works very well and does exactly what it says Reviewed on: 11th June 2026

Great product.

I love this product. Interest free cedit that is just there when I need it, and can be used wherever I would pay with a credit card. No acres of paperwork required, no hunting around for a provider, it's just there for whenever I need it. Reviewed on: 11th June 2026

Simple easy to use no long checks

Simple easy to use no long checks Reviewed on: 11th June 2026

It’s nice and easy and very helpful as I can pay in...

It’s nice and easy and very helpful as I can pay in 4 and other ways so I still have money for other things Reviewed on: 11th June 2026

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