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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (165301 reviews)

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4.73

Based on 163,505 reviews, last reviewed 7th Jul 2026

1506% increase in 5 star reviews

in the past 90 days

1583% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Happy Customer I am a PayPal customer for many years. I am perfectly happy with their products and services. Reviewed on: 7th July 2026

Latest lowest rating:

1

it is very bad provider and very bad costumer servic... it is very bad provider and very bad costumer service, even very hard to reach customer services. when you reach the costumer services, they will leav... Read more Reviewed on: 7th 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 (165364)

Love using PayPal credit

Love using PayPal credit because it's easier for me since I've had a PayPal account for a long time and have been using it for many online purchases. Customer service is amazing but I would like some more information on how to increase my credit limit so I can help my credit score more. Reviewed on: 17th May 2024

Extremely flexible credit option

I've used PayPal credit for a number of years now, and it's been a fantastically flexible option for me - being able to spread every large purchase over 4 months with no interest, retailer specific interest free options, and simple online checkout options. I'd recommend it to anyone who needs a credit option. Reviewed on: 17th May 2024

service is great, easy to use and trustable.

service is great, easy to use and trustable. Good customer service and reliable Reviewed on: 17th May 2024

My go to for credit

Good interest rates, simple account overview, various places in which it can be used. Paypal credit is my go to for using credit. Repayments are easy and it allows you to spread the cost of higher value items without the worry of huge interest fees. Reviewed on: 17th May 2024

Excellent for spreading costs

I have used PayPal credit many times to spread the cost of purchases and find it very helpful. It’s simple to manage using the app or PayPal website. Reviewed on: 17th May 2024

Easy to use and efficient

Easy to use and money gets transferred immediately Reviewed on: 17th May 2024

PayPal is so easy and convenient to use.

PayPal is so easy and convenient to use. Great options for payments such as pau in 3 and zero interest on credit on items over £99 for 4 months Reviewed on: 17th May 2024

I’ve used PayPal credit a number of times as it’s an...

I’ve used PayPal credit a number of times as it’s an easy way to spread the cost of your payment interest free Reviewed on: 17th May 2024

Perfect for expensive or unexpected purchases

I use the 0% finance over 4 months which has really helped when making more expensive or unexpected purchases. It’s easy to use my account and to make payments. Reviewed on: 17th May 2024

It feels very safe.

It feels very safe and I like the different paypal plans. They are all very fair. Reviewed on: 17th May 2024

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