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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146181 reviews)

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4.73

Based on 146,027 reviews, last reviewed 29th Jun 2026

4374900% increase in 5 star reviews

in the past 90 days

12550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great for new home Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making m... Read more Reviewed on: 29th June 2026

Latest lowest rating:

2

I am requesting a full investigation into my PayPal... I am requesting a full investigation into my PayPal Credit account because I believe there may be an error in the way my account has been calculated. ... Read more Reviewed on: 29th June 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 (146181)

I've been really impressed with PayPal Credit.

I've been really impressed with PayPal Credit. The interest-free period is a standout feature, being able to spread a purchase over several months without paying extra is genuinely helpful for budgeting. What sets it apart from similar products is just how widely accepted it is. Whether you're shopping on a big marketplace or a smaller independent retailer, it tends to be right there at checkout. It's become my go-to option when I want flexibility without the commitment of a traditional credit card. Reviewed on: 9th June 2026

I always pay with PayPal as I feel my transactions a...

I always pay with PayPal as I feel my transactions are Safer if anything was to go wrong like refund desputes or scams PayPal will deal with it Reviewed on: 9th June 2026

Best short term credit

I use PayPal credit often because it gives options to take 3 payments with 0% interest or 4 months also with 0% interest. Very easy to use and manage. Reviewed on: 9th June 2026

Great service

Great service. Smooth process. User-friendly interface and customer services. Reviewed on: 9th June 2026

Used since the start.. and still use regularly!

I have used PayPal since the early 2000’s and I have never had a problem with any service offered. It has been a great and advanced service since I started using it. The credit terms offered are a great way to spread the cost over 3 or 4 months. It’s a simple system that seems very effective. Reviewed on: 9th June 2026

Good communication and customer service

Good communication and customer service Reviewed on: 9th June 2026

Happy PayPal credit user

I am happy with how PayPal credit works. I did not use customer service and can’t really give feedback on that. Reviewed on: 9th June 2026

Low interest and payments flexibility

Low interest and payments flexibility Reviewed on: 9th June 2026

Easy to use, good rewards scheme, good communication

Easy to use, good rewards scheme, good communication Reviewed on: 9th June 2026

Paypal payment options are fantastic

It is so easy to choose the best Paypal payment method Reviewed on: 9th June 2026

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