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PayPal: PayPal Credit reviews

View other PayPal products
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
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

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
Glebs D's avatar
Glebs D

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
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews Write a review

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)

Needs a little tweak

2
The ability to divide a purchase over 4 payments interest free is very handy. My only really issue is if you have multiple purchases you can’t decided which one is paid off and payments just get taken off both. So while I bought and appliance on the 4 month option but an eBay purchase offer of 12 months free I was clearing of the 12 month one faster that I wanted and had to pay more cash to clear the 4 month one. If this is sorted it’ll be great. Reviewed on: 8th July 2022
Steve's avatar
Steve

Honest

5
PayPal credit is very useful and easy to navigate via the app, only issue I have had is trying to set up a direct debit. Besides this excellent service Reviewed on: 8th July 2022
scottkenny807@googlemail.com's avatar
[email protected]

Excellent for Short term credit

5
Excellent for short term credit. Easy to use app. Reviewed on: 8th July 2022
M rahman's avatar
M rahman

Useful interest free period

5
Great for bigger spend where you can use the interest free period. Quick and secure way to pay Reviewed on: 8th July 2022
Carol Clarkson's avatar
Carol Clarkson

Excellent service

5
Excellent service, constant contact and prior notifications , always helpful with any queries Reviewed on: 8th July 2022
Julie 's avatar
Julie

Easy to use

5
Ability to purchase anything you want from all sellers around the world with the knowledge of a fantastic company background Reviewed on: 8th July 2022
Michael Jones's avatar
Michael Jones

Easy to use

5
Good credit option for myself, if split amout for 3 months without interest Reviewed on: 8th July 2022
Igors Fursovs's avatar
Igors Fursovs

Fantastic and works better

5
PayPal has been a great company which helps my family to improve their finances and immediate needs.Previously I was on a higher credit limit and a review was made to reduce my credit limit despite that it has been a fantastic period being with PayPal till date I will continue to recommend PayPal to family and friends,great company and excellent customer service in all aspects of their dealing. Reviewed on: 8th July 2022
jideayeni2001ng@yahoo.com's avatar
[email protected]

Amazing

5
The best credit so far! Easy to use & very useful! Reviewed on: 8th July 2022
Rachel's avatar
Rachel

Best Credit platform

5
I love PayPal credit , very straightforward and peace of mind when shopping on line. Reviewed on: 8th July 2022
Tope Aworunse's avatar
Tope Aworunse

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