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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149480 reviews)

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4.73

Based on 149,327 reviews, last reviewed 5th Jul 2026

4477% increase in 5 star reviews

in the past 90 days

4317% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Everything was quick, smooth, Excellent service! Everything was quick, smooth, and very easy to complete. The whole process was hassle-free, and I’m really satisfied. Highly recomm... Read more Reviewed on: 5th July 2026

Latest lowest rating:

2

Verifying payments! Finding how to verify a payment on either the PayPal App or the website is a complete nightmare! Why this cannot simply be a 'pop up' on the site or ... Read more Reviewed on: 5th July 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 (149484)

Review of the PayPal, PayPal Credit:

A must have!

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

Easy,handy and great customer service

Easy,handy and great customer service Reviewed on: 12th June 2026

Instalment payment option was great.

The 4-installment payment option was great. Being able to spread the payments over time made things much easier for me financially and helped ease the burden on my budget. Reviewed on: 12th June 2026

Easy to use and reliable credit option

I have used PayPal Credit for over a year now and found it really straightforward to manage. The application process was quick and approval was clear. It is easy to track spending and payments directly from my PayPal account, which makes keeping on top of finances simple. I like the interest-free offers on eligible purchases when paid off in time, and the reminders help me avoid extra charges. Customer support has also been helpful when I had questions. It works well as a safety net for unexpected costs, as long as you keep up with repayments. Overall it is a reliable, convenient credit option that fits my everyday needs. Reviewed on: 12th June 2026

Excellent choices and service.

Excellent choices and service.Excellent rewards scheme Reviewed on: 12th June 2026

I have been with paypal for more than 5 years.

I have been with paypal for more than 5 years. Every year it gives the customers what it needs and has been stable in improving the service. From more partnerships with other business, credit, and the point system for rewards. Reviewed on: 12th June 2026

PayPal credit so helpful.

Was able to spread the cost of a higher value purchase over 5 months before needing to pay. Helped immensely as would have struggled to make the purchase in one go. Just had to be mindful that interest would be incurred when the 5 months was up. Reviewed on: 12th June 2026

Great way of purchasing larger items paying over set...

Great way of purchasing larger items paying over set period with no interest Reviewed on: 12th June 2026

Highly recommended financial institution

Always helpful customer service, value for money and easy to access. Reviewed on: 12th June 2026

Excellent services

You provide Excellent service to everyone Reviewed on: 12th June 2026

Years of great experience

I have used PayPal Credit for years, long before Pay in 3 and before PayPal introduced its credit card. The service has always been reliable, easy to use, and transparent. Fees and repayment terms have been clear, and I have never experienced any issues. Overall, a brilliant service that has worked exactly as expected for many years. Reviewed on: 12th June 2026

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