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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174222 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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.

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PayPal PayPal Credit reviews (174223)

Easy to use and a safe option for paying for...

Easy to use and a safe option for paying for goods Reviewed on: 7th July 2026

Safe reliable, and easy to use

I love PayPal, it is one of the first and reliable credit and payment systems available. It is my go to payment system, if it is available. I prefer to use it not only for its installment options or credit options but because it is a layer between by personal accounts and cards. It is safer to use paypal. What I do not like is it is not as wide spread as I would have liked. Not everyone is using it to exchange money. Paypal is my first choice when making payments if available, which is not always the case, either our friends is not using of the online retailer is not using it. Also e-payment options like Klarna started to offer more products than Paypal. Also Paypal's products, statements are also hidden and not easy to understand. I would like to have a more consolidated easy to read statements and simpler view of options once after they are introduced. Users should be able to read details when they need, or this option should be given and reminded to users / customers like me who might want a more customised screen. Reviewed on: 7th July 2026

Always helpful love the pay over xxx months

Always helpful love the pay over xxx months Reviewed on: 7th July 2026

Its a simple, convenient way to make purchases.

Its a simple, convenient way to make purchases. PayPal credit helps spread the cost; you can Pay in 3 or PayPal credit offers up to 3 months interest free or you can choose to make payments over a longer period. You can set up a direct debit and then you dont need to worry about missing payments. A good awareness of your spending and habits is always good to have in mind to encourage responsibility when you're sitting at home shopping:) Reviewed on: 7th July 2026

PayPal is very reliable in terms of payments as well...

PayPal is very reliable in terms of payments as well as flexibility in giving people more time to pay and even splitting the payments for 3 months.It also give points that can be converted to cash and you can easily withdraw the cash from your PayPal account and even use the money for payments. Reviewed on: 7th July 2026

Good experienceg.

It was very Good experienceg. Paypal customer service is very helpful. Reviewed on: 7th July 2026

Very secure

Used them for years always fantastic Reviewed on: 7th July 2026

Paypal is easy to use, convenient and safe.

Paypal is easy to use, convenient and safe. Any problems always quickly resolved. Wouldn't use any other method Reviewed on: 7th July 2026

Used PayPal for years

Used PayPal for years. Peace of mind and great customer service Reviewed on: 7th July 2026

Easy, pain free and quick.

Easy, pain free and quick. Good customer service and really approachable Reviewed on: 7th July 2026

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