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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146814 reviews)

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4.73

Based on 146,526 reviews, last reviewed 30th Jun 2026

4397750% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Reliable and secure Easy to use, safer and accepted at many different retailers. Reviewed on: 30th June 2026

Latest lowest rating:

1

PayPal credit Very easy to apply for and use good to spread the cost of items Reviewed on: 30th 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.

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PayPal PayPal Credit reviews (146814)

I'm very happy my experience with PayPal very Exilent

I'm very happy my experience with PayPal very Exilent Reviewed on: 11th June 2026

Fantastic

Fantastic love using PayPal recommend it Reviewed on: 11th June 2026

Great value

Great to have four months to pay for big items Reviewed on: 11th June 2026

Long-Term User Perspective

I have been using PayPal for over a decade, primarily for online shopping, and overall it has been a convenient and reliable payment platform. The ease of use, buyer protection, and wide acceptance across retailers have made it my go-to choice for many purchases over the years. One of the most valuable additions for me has been PayPal Credit. It has significantly helped manage my spending, especially with features like “buy now, pay later” and flexible instalment options. Previously, I was able to spread payments across longer terms such as 6, 12, 24, and even 36 months, which made larger purchases much more manageable. However, I’ve recently noticed some limitations that have impacted my experience. PayPal now seems to restrict instalment options to shorter terms, typically only up to 3 payments. This is a step back compared to the flexibility that was previously available, and it reduces the usefulness of PayPal Credit for larger purchases. Another ongoing frustration is the lack of control over repayments. While PayPal offers interest-free periods (usually if the balance is cleared within 4 to 6 months), there is no way to individually select and pay off specific purchases. This can make it difficult to manage balances effectively, especially when multiple transactions are involved. Many other credit providers offer the ability to allocate payments to specific purchases, and it would be a valuable improvement if PayPal introduced a similar feature. Reviewed on: 11th June 2026

Easy to manage

Possibility to spend with no interest it’s a good bonus, plus collecting the points helps too Reviewed on: 11th June 2026

Value for money

Customer Service is the best. They never let me down. When I am down they pick me up Reviewed on: 11th June 2026

Profesional.

Profesional. Make sure the client knows what to do. Easily get the right information Reviewed on: 11th June 2026

Ho hassle just straight forward payment process

Ho hassle just straight forward payment process Reviewed on: 11th June 2026

Very quick and easy to use.

Very quick and easy to use. Never had any issues with paypal. Reviewed on: 11th June 2026

Reliable as always.

I’ve never had any issue using any of the PayPal services and it’s very reliable. Reviewed on: 11th June 2026

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