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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146426 reviews)

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4.73

Based on 146,374 reviews, last reviewed 30th Jun 2026

4390750% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great customer services Any time ive had to contact customer services my questions have been answered or appropriate advice given. My experience has been great. Reviewed on: 30th June 2026

Latest lowest rating:

1

PayPal credit Very easy to apply for and use good to spread the cost of items Reviewed on: 30th 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 (146426)

Excellent way to spread the cost

I’ve used PayPal Pay in 3 several times and found it very convenient. The application process is quick, payments are clearly scheduled, and there is no interest when payments are made on time. I like being able to split larger purchases into three manageable instalments while still benefiting from PayPal’s security and buyer protection features. The app makes it easy to track upcoming payments, and I’ve had a smooth experience every time. Highly recommended for budgeting larger purchases responsibly. Reviewed on: 8th June 2026

Super easy and quick to use love having this as an o...

Super easy and quick to use love having this as an option especially close to pay day Reviewed on: 8th June 2026

Everything is very clear and easy to follow.

Everything is very clear and easy to follow. I am always confident that I am in control of what I am spending. I know how much I owe and if I need to change the amount I am paying every month. Takes a great weight off my mind. Reviewed on: 8th June 2026

Highly recommend PayPal credit card.

Highly recommend PayPal credit card. Reviewed on: 8th June 2026

Straightforward to navigate and get credit

Straightforward to navigate and get credit Reviewed on: 8th June 2026

Paypal trusted

Easy to transact with PayPal and trusted Reviewed on: 8th June 2026

Great service with ease of use and plenty of ways to...

Great service with ease of use and plenty of ways to pay Reviewed on: 8th June 2026

Helpful, fair credit!

I started using PayPal credit when we needed a new bed and mattress. It wasn't intended for long term use but it is such a good interest rate, so easy to adjust how much I want to pay per month or if pay off altogether with no additional fees. Options like pay in 3 months, interest free is such a good way to manage money when you need to purchase essentials soon but can't afford the lump sum. Thank you! Reviewed on: 8th June 2026

Handy Credit for Larger Purchases

I use PayPal Credit for larger Purchases and spread the repayments over 3 months without any interest charges. This is a really handy way to buy things. Reviewed on: 8th June 2026

Highly Recommended

I find PayPal to be easy to use and a great way to Pay its safe secure and has made life so much easier when shopping online. Reviewed on: 8th June 2026

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