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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168143 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 (168151)

Handy

Excellent service for those times when it's really needed. Reviewed on: 12th August 2022

Really helps spread the cost

Great card to have. Spread the cost over 4 months interest free. Reviewed on: 12th August 2022

Easy, flexible and convenient

Certain purchases although affordable can be a huge outlay at the given time and sometime you can miss out on a good price or even a discount just because you aren't able to spread the cost. Paypal credit has kept a spread the cost offer valid and ongoing which made it easy for me to buy an rc sailplane that I wanted and even better the website I was buying from accepted paypal directly. A modern easy convenient payment solution with the flexibility of spreading the cost. What's not to like. Reviewed on: 12th August 2022

Lifesaver

Convenient, affordable and easily managed credit Reviewed on: 12th August 2022

Easy and reliable.

Have never had any issues with my PayPal Credit account, it's easy to access, easy to set and amend payments, and I am always kept up to date with any changes or updates. Would highly recommend this product/service. Reviewed on: 12th August 2022

interest free 3 payments or 4 months amazing!!!

best payment service provider for consumer rights and protection service, also offer great financial payment plans with varied options, cant go wrong choosing this for peace of mind and security Reviewed on: 12th August 2022

Excellent

Excellent service Reviewed on: 12th August 2022

Nice limits, fair apr

Used PayPal credit a few times, the APR is fair and quite competitive. Reviewed on: 12th August 2022

Reliable and trust worthy

I rely on paypal ccredit as a backup to my money at the end of the month. At the end of the month on payday i pay off what i owe (if any) knowing i can trust and know that it has my back when i need it. Reviewed on: 12th August 2022

Handy to have.

Getting monies returned from some vendors. Reviewed on: 12th August 2022

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