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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168985 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (169078)

PayPal - a Short-Term Loan

I like the fact that it can be used as a short-term loan by being able to pay back over a 4 month period. It gives that little bit of leeway for bigger purchasess Reviewed on: 7th July 2026

It just works!!!!

Never had any problems with PayPal, it just works!!! Reviewed on: 7th July 2026

Reliable, Flexible and Trustworthy

Over the years PayPal has offered excellent service, it has been trustworthy and offered flexibility. Whether it’s the various ways of paying or the excellent rates, I trust and use PayPal regularly. Whenever I have had issues the sevice has been quick and helpful. Would recommend to anyone. Reviewed on: 7th July 2026

Paypal credit - pros and cons

I like to use paypal for big purchases and like that they offer you special credit offers. I find it frustrating that you can't choose what part of your balance you pay off. I recently had an 18 month credit plan then bought a holiday in the pay in 4 months and pay 0% interest. I paid off a large chunk but instead of it coming off the holiday which needs paid in 4 months, it came off the 18 month purchase. I could find no way to get in touch with Paypal about this. So just be careful with things like this. I find pay in 3 really good and feel like Paypal is a safe and secure method of payment. Reviewed on: 7th July 2026

Fast, efficient, trustworthy and helpful.

Fast, efficient, trustworthy and helpful. Simple app to use, easy to get through to talk to someone. They also have many options in financing. The information provided on the crypto currency was also helpful. Reviewed on: 7th July 2026

Easy to use app that’s intuitive.

Easy to use app that’s intuitive. That I feel in control of managing my finances. Reviewed on: 7th July 2026

PayPal makes life easier

I have been using PayPal for many years and it has never let me down. I use PayPal for online payments wherever possible, and it is accepted by many online shops. The option to use PayPal Credit or split payments into three parts has helped me many times and made unexpected situations much easier to manage. I also use PayPal to send money to people, including international transfers. Payments and transfers are quick, secure and convenient, and money arrives almost instantly. PayPal gives me peace of mind and makes everyday payments simpler. I highly recommend it. Reviewed on: 7th July 2026

Great service.

Great service. Been using it for years Reviewed on: 7th July 2026

Best Payment method for me.

I get several payment potions with paypal which is easy to use. I just select paypal,enter my log ins and payment is done...so easy to use. Reviewed on: 7th July 2026

Helpful for Managing Everyday Finances

With its wide range of options, PayPal has become my go-to financial tool for both everyday spending and more expensive purchases. Reviewed on: 7th July 2026

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