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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (167973 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 (168010)

Super easy to use, love the flexibility.

Super easy to use, love the flexibility and the interest free options and lengths. I also really like the pay in 3 option, this is such a great way to easily spread the cost of my purchases and makes spending so much easier. Reviewed on: 14th May 2024

Always efficient and fast with any queries

Always efficient and fast with any queries Reviewed on: 14th May 2024

PayPal credit is easy to use.

PayPal credit is easy to use. It is available on lots of websites and easy to manage repayments. Reviewed on: 14th May 2024

Free transactions to friends and family.

Free transactions to friends and family. Responsible 3 payments plans and other interest free options. Secure transactions. Reviewed on: 14th May 2024

0% for 4 months makes sense.

It helps with adhoc expenses especially the 4 month 0%. Reviewed on: 14th May 2024

It helped me start my business!

It’s been fundamental in helping me start my business. I was able to cover some initial expenses thanks to PayPal credit. There’s so many unexpected costs that you don’t think of or that come out of nowhere, having PayPal Credit as a back up was a life saver as I could just pay it back at a later date. Reviewed on: 14th May 2024

Very convenient to pay for 99% of things.

Very convenient to pay for 99% of things. I have had issues with the PayPal credit service that are yet to be resolved. The PayPal app does not let me pay the credit statement balance correctly. Reviewed on: 14th May 2024

Love to use PayPal credit with 0%interest

Love to use PayPal credit with 0%interest Reviewed on: 14th May 2024

PayPal has been very helpful and great in my time of...

PayPal has been very helpful and great in my time of need Reviewed on: 14th May 2024

my purchases are protected.

I know that my purchases are protected. Checkout has always been smooth without issues. I have nothing to complain about. Reviewed on: 14th May 2024

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