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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108142 reviews)

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4.90

Based on 108,142 reviews, last reviewed 16th May 2026

2642550% increase in 5 star reviews

in the past 90 days

7700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

had a very positive experience with PayPal Credit. had a very positive experience with PayPal Credit. During COVID, I lost my job and was struggling financially. PayPal Credit supported me by not charg... Read more Reviewed on: 16th May 2026

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th May 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 (108142)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Easy to apply - makes expensive affordable

Applying for credit (and pay in three) was an easy process. Using it and keeping track of expenditure is also made simple because you’re provided with statements that tell you how much you’ve spent, when the next payment is due and the balance. It’s also possible to set up a direct debit system that makes repayment totally worry free. Reviewed on: 14th May 2026

Amazing service all ways have been

Amazing service all ways have been Reviewed on: 14th May 2026

Mostly all 10/10

Being able to spread costs of bigger purchases, whether by Pay in 3 or on PayPal credit, makes life so much easier. Check out experiences feel safer when I can log into PayPal instead of entering card details. We also use pools to save towards events, holidays, home improvements. The only thing I would change is how PayPal credit displays transactions, there are delays between making a payment and it showing it's made and a lag between it clearing as a payment and reducing the balance. Even credit cards have quicker display changes and one I use in particular updates the balance within 15 minutes. Makes budgeting much easier. Reviewed on: 14th May 2026

User friendly amazing

Easy user friendly amazing tension free Reviewed on: 13th May 2026

Paypal is generally quite good service to use.

Paypal is generally quite good service to use. Reviewed on: 13th May 2026

Always helped me purchase my items

Always helped me purchase my items Reviewed on: 13th May 2026

Pay pal have always been great with customer service...

Pay pal have always been great with customer service and dealing with any issues! Reviewed on: 13th May 2026

Excellent and easy to use and safe.

Excellent and easy to use and safe. Reviewed on: 13th May 2026

Very nice support easy payment plan

Very nice support easy payment plan Reviewed on: 13th May 2026

Great flexibility with spreading the cost.

Great flexibility with spreading the cost. Reviewed on: 13th May 2026

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