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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178089 reviews)

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4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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 (178097)

It's Great!

I use it as an interest free budgeting tool, I've never paid interest on PayPal credit and in that respect it is simply great. The credit limit I've been offered is also really good, I have been using PayPal credit for well over a year now and I just love it. Reviewed on: 10th June 2024

PayPal is Best

I've been using PayPal for years, specially when it came for online shopping it always gives me confidence to buy online from any platform without fear of losing money because you always protected by best one, and I'm very glad. Reviewed on: 10th June 2024

Makes spreading payments easier to manage

Makes spreading payments easier to manage Reviewed on: 10th June 2024

There’s nothing like PayPal

Been with PayPal for over 10years, never refused me any credit, always there when I need. Reviewed on: 10th June 2024

Awesome credit provider.

Awesome credit provider. Secure and reliable. Reviewed on: 10th June 2024

I wouldn’t be without my PayPal!

Pay oak credit allows me to purchase more expensive items over 4 months Interest free i use this quite regular, I know longer need the use of a credit card!… I also use the three month option for purchasing bulk amount supplements etc …iv also called PayPal to clarify things always had a polite service that gives me the answer I need. Reviewed on: 10th June 2024

Lifesaver

Easy to use, many retailers use paypal. Interest free credit perfect. Sometimes lifesaver if something expensive is needed Reviewed on: 10th June 2024

Simple the best

Simple the best to buy online. Simple and easy. Reviewed on: 10th June 2024

I’ve been using PayPal credit since it was available...

I’ve been using PayPal credit since it was available for me and I ding it to be very useful for online purchases when I need a bit more time to pay something off. I’ve been using PayPal for over a decade and I will keep using it in the future. It’s the future of online payments today. Reviewed on: 10th June 2024

Great customer service

I had to ask for a refund for a product that I bought and it didn't work as advertised and PayPal sorted it in a matter of few days, great result Reviewed on: 10th June 2024

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