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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (169124 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... 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 (169226)

PayPal credit is best value

PayPal is convenient and secure. PayPal credit has been my go to credit option for the past 6 years. It has the most value for the spreading the cost options compared to what is on the market. Their customer service people are good as well and will explain things in detail. The only downside is that to get a rep it can be a bit of a wait, I've had to contact them twice in the 6 years and both times it was a 30 min wait but my enquires were solved both times. Reviewed on: 22nd May 2024

Excellent all the way.

Excellent all the way. Never any issues. Reviewed on: 21st May 2024

The service was good and interest rate is reasonable.

The service was good and interest rate is reasonable. Reviewed on: 21st May 2024

Easy and very convenient to use.

Easy and very convenient to use. Reviewed on: 21st May 2024

Very good service!

Very good service! And helping people with need credit Reviewed on: 21st May 2024

Very Satisfied!

PayPal credit has allowed me to build my credit score as well as help me use less cash in one go, therefore allowing me to spread my costs over time so that I can feel more comfortable with spending large amounts of money without worrying about a big at one time. I feel very satisfied with PayPal credit and I will continue to use their services in the future. Reviewed on: 21st May 2024

Positive experience with my PayPal credit

Positive experience with my PayPal credit Reviewed on: 21st May 2024

PayPal is a great credit lender

PayPal is a great credit lender, from pay in 3 to monthly direct debits enabling those who wish to use the service to keep all of their transactions in one place. The app is also easy to use and understand. Reviewed on: 21st May 2024

Really easy to use and great terms.

Really easy to use and great terms. Reviewed on: 21st May 2024

Overall my experience with PayPal

Overall my experience with PayPal has been excellent Reviewed on: 21st May 2024

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