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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 137,611 reviews, last reviewed 13th Jun 2026
3992750% increase in 5 star reviews
in the past 90 days
11150% 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

Easy access to credit card via app really helps Easy access to credit card via app really helps Reviewed on: 13th June 2026
Benard D's avatar
Benard D

Latest lowest rating:

1

very high interest rate. very high interest rate. I can't wait to pay off my debts and delete the PayPal application Reviewed on: 13th June 2026
Georgi G's avatar
Georgi G
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (137611)

I use PayPal on all online purchases, any time when...

5
I use PayPal on all online purchases, any time when is a problem with the seller PayPal customer service solves my issues straight away. They have an excellent service. The Pay in 3 Instalments fits my budget and I use PayPal credit when I struggle with finances. Sending money to my friends through PayPal makes me feel safe and sure that they are receiving money on the same day. I am very satisfied with PayPal. Reviewed on: 3rd June 2024
Cristina G's avatar
Cristina G

I use it regularly

5
Easy to use and access, only need your email address and password to access it. Reviewed on: 3rd June 2024
Muzammil Dawlatpur's avatar
Muzammil Dawlatpur

Always my preferred option for buying clothes, I can...

5
Always my preferred option for buying clothes, I can’t try on and send back! Reviewed on: 3rd June 2024
Shannon V's avatar
Shannon V

Flexible,good customer service,offers

5
Flexible,good customer service,offers Reviewed on: 3rd June 2024
Vitali's avatar
Vitali

Excellent alternative for large purchase amounts

5
PayPal credit offers an alternative option for budgeting larger purchase amounts in an efficient way. Offering clear deadlines on when a certain plan is due to be paid. I have not experienced any issues using PayPal credit and have recommended to friends and family. Reviewed on: 3rd June 2024
MP's avatar
MP

A Helping Hand in Hard Times

5
With the current cost of living crisis, it is a huge help that you can spread the cost of living without the worry of added interest on their pay in 3 plans. Unlike so many other creditors Paypal hasn't jumped on the band wagon and added an extortionate interest rate you just split the total amount needed in to 3 equal monthly payments with no interest. Reviewed on: 3rd June 2024
Toni G's avatar
Toni G

Simple to use

5
Easy to use and access. Great service Reviewed on: 3rd June 2024
Tammy M's avatar
Tammy M

Very helpfull

5
Love their pay in 3 and credit to help with purchasing expensive items Reviewed on: 3rd June 2024
Emmy G's avatar
Emmy G

Easy spending

5
Easy & convenient while being security protected Reviewed on: 3rd June 2024
Alexis H's avatar
Alexis H

Amazing help and option to get ahead.

5
Often rely on PayPal Credit it has helped me do things that I may not have been able to buy paying gradually and fairly, it's easy to track on the app and I recommend to everyone. They don't change loads and taking advantage of the interest free period is great. The pay in 3 option is fab too, they cater for whatever you're current circumstance is financially. Thanks PayPal. Reviewed on: 3rd June 2024
MRSEIO 's avatar
MRSEIO

Review PayPal: PayPal Credit now

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