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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181153)

Great product

Easy to use, great opportunity to get some time on ur purchases Reviewed on: 13th August 2022

Easy, convenient and safe than most credit card companies

I have been a PayPal user for almost a decade, if not just over that. I have never had a problem, always kept my balance out of the negative. I applied for PayPal credit during a time I needed something along those lines and was very weary of most credit companies due to their high demands just for application then everything afterwards. PayPal made it easy for me to choose them, they are trusted, fair. During covid they were understanding and offered help to those who didn't have job or income anymore. I don't know any other credit company that would do that. They are a gem in this world. Reviewed on: 13th August 2022

5* Customer Service

Super easy to set up and pay off. Also comes with PayPal's outstanding customer service so any problems you have are dealt with quickly and thoroughly. Reviewed on: 13th August 2022

Very Wonderful product!

The product is very lovely, I will recommend friends and family to get this. Reviewed on: 13th August 2022

Flexibility and Convenience

Purchases over £150 get 4 month's interest free, and it's just a handy bit of credit in my virtual back pocket Reviewed on: 13th August 2022

Excellent

Love paypal credit and the support and security you get from using PayPal Reviewed on: 13th August 2022

Brilliant for those larger expenses to spread the cost

I love my paypal credit mostly due to the options of haveing the cost spread over 3 months interest free for those unexpected large purchases Reviewed on: 13th August 2022

Helped me out

I have used it to spread the cost of purchases for essential items. Reviewed on: 13th August 2022

Much prefer PayPal when shopping Online

When shopping Online, I actively seek websites that allow payment using PayPal or PayPal Credit, because of Security and Ease of Use. Prefer to use PayPal Credit to spread costs, whenever practicable. It’s so easy to Schedule Payments when I want to, rather than having to set up a Direct Debit. I actively encourage the websites I use most often to provide payment via PayPal. DarkWoods Coffee acted upon this, to my extreme pleasure. Reviewed on: 13th August 2022

Stops you getting into debt!

PayPal Credit is an excellent idea!! I can purchase things spreading cost interest free. Before PayPal credit, I would put things on a credit card but end up not paying them in full & got into debt incurring interest. I can now budget and remain debt free by using PayPal credit. It’s easy to understand and monitor too. Excellent service. Reviewed on: 13th August 2022

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