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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.

PayPal PayPal Credit reviews (181153)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Love the points it saves so much money

Love the points it saves so much money Reviewed on: 14th July 2026

Fast and simple way to to pay with plenty of options...

Fast and simple way to to pay with plenty of options to suit your needs Reviewed on: 14th July 2026

No issues, straightforward, sensible lending

No issues, straightforward, sensible lending Reviewed on: 14th July 2026

Been with PayPal for years always been good

Been with PayPal for years always been good Reviewed on: 14th July 2026

Not great.

Not great. The way money are managed when there is more than one plan + long term interest plan, any money you repay are going to the long term rates, not the short but now pay later one, unless it's the same month the 0% interest expires, unless then it doesn't work and money converge again in the fixed interest rate... Awful. If you need quick money to buy something that's ok, but nothing else. Reviewed on: 14th July 2026

Long-time customer

I've been using PayPal for years, it's easy and gives you reassurance that you're covered should something go wrong. Reviewed on: 14th July 2026

Paypal credit is excellent if you're a little short...

Paypal credit is excellent if you're a little short on funds. The 3 months interest free is fantastastic, along with the option to repay the credit whenever you choose at no extra cost. It has a fair limit with your affordability in mind so I can't get out of hand by ending up in an impossible debt. I would recommend paypal credit as a great way to pay for anything. Top marks. Thanks. Reviewed on: 14th July 2026

Reliable, secure and easy to use

Overall, my experience with PayPal has been very positive. The platform is easy to use, payments are processed quickly, and it provides a convenient way to send and receive money securely. I appreciate the buyer protection and the ability to manage transactions all in one place, which gives me added peace of mind when shopping online. On the occasions I have needed support, the process has been straightforward, although response times could sometimes be improved. Overall, PayPal is a reliable payment service that I trust for both personal and online purchases, and I would recommend it to others looking for a secure and convenient way to make payments. Reviewed on: 14th July 2026

Been using their services for years

Been using their services for years, highly trusted Reviewed on: 14th July 2026

PayPal credit made it so convenient for me to get a...

PayPal credit made it so convenient for me to get a large purchase and break the costs down to a manageable amount. Reviewed on: 14th July 2026

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