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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)

PayPal credit

Simple to use & easy to manage. Reviewed on: 8th July 2022

Really impressed

You have 4 months to pay off purchase. Great service from PayPal as always Reviewed on: 8th July 2022

Easy to use and wide availability.

Great way to budget and make purchases with no interest Reviewed on: 8th July 2022

Happy

Quick and easy process to pay for everything Reviewed on: 8th July 2022

Good product

Good interest rates and offer, many retailers accept paypal . Reviewed on: 8th July 2022

Peace of Mind

Peace of mind all your purchases are safe, secure and protected. Future Technology we can’t live without in today’s world. Reviewed on: 8th July 2022

Excellent Credit Option for Quick Online Transactions

I think PayPal's credit option is fantastic. So easy to apply and use, especially with the payment options available. Really love the service and the ease and availability across so many retailers. Reviewed on: 8th July 2022

Simple to use

Using PayPal credit i find simple to use , specially person to person payments. Reviewed on: 8th July 2022

Convenient but needs greater adoption

I had a great experience setting up my PayPal online credit and having it attached to your PayPal account is just what I was looking for. Their current promotion of having 4 months interest free credit for purchases over £100 was a welcome addition and their quick application low rates was welcome relief to other institutions that can make this process feel like pulling teeth!. However, I do wish more online retailers would accept payment PayPal credit. It is improving, but needs a larger base to make it really shine and be the one stop credit provider. Thank you for the convenience PayPal! Reviewed on: 8th July 2022

Reliable and prompt services.

It is very flexible with the payments and I bought an iPhone 13 pro through PayPal credit and no interest. That’s seems like a great offer. Reviewed on: 8th July 2022

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