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PayPal: PayPal Credit reviews

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4.91
Based on 90,634 reviews, last reviewed 30th Apr 2026
1838950% increase in 5 star reviews
in the past 90 days
10400% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Love the points and access to pay in 3 Love the points and access to pay in 3 Reviewed on: 30th April 2026
DexterF's avatar
DexterF

Latest lowest rating:

2

Wish I had used a different company The app can malfunction leaving you unable to pay off your credit until you have access. The complaints procedure is almost as bad as PayPal Debit, di... Read more Reviewed on: 30th April 2026
Maia N's avatar
Maia N
Read all reviews Write a review

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 (90634)

It gives you option to cover your daily expenses ,fi...

5
It gives you option to cover your daily expenses ,fight the cost of living and support family Reviewed on: 15th April 2026
Alim's avatar
Alim

Trustworthy

5
Just a good business to deal with Reviewed on: 15th April 2026
Cliff's avatar
Cliff

Makes purchasing costly items easier.

5
Makes purchasing costly items easier especially when they offer lots of options with interest free as you can spread it out over a longer period at no extra cost. Reviewed on: 15th April 2026
Stephen W's avatar
Stephen W

A little bit of wriggle room

5
Using PayPal Credit gives me the ability to spread the cost of more expensive items which in turn keeps me able to control my finances better. Reviewed on: 15th April 2026
Sharon 's avatar
Sharon

Best financial management

5
Best offer with the 4 months free credit which helps my finances management. Enable me to enjoy flexible long term arrangements. Stress free. Easy reading in the app and statement for the balance due. Reviewed on: 15th April 2026
AC's avatar
AC

Easy to use very convenient and gives you lots of op...

5
Easy to use very convenient and gives you lots of options Reviewed on: 15th April 2026
Tim's avatar
Tim

Super easy and fast to use!

5
I find Paypal Credit very easy to use and understand.Customer Service has been quick to reply and answer my questions. Reviewed on: 15th April 2026
Carol O's avatar
Carol O

A Flexible Stress Free Way to Pay

5
I have had a great experience with PayPal Credit. It gives me the freedom to buy what I need and pay it off at a pace that works for me. The process is straightforward, and it’s become one of my favourite payment options. Reviewed on: 15th April 2026
Russell D's avatar
Russell D

Excellent experience

5
PayPal credit is great because it often has 0% interest for 4 months which is perfect for me. Any time I’ve had to open a case it has been easy and customer service is quick to reply. Reviewed on: 15th April 2026
Emma's avatar
Emma

Helpful option to have, widely accepted, but could h...

4
Helpful option to have, widely accepted, but could have some tools to help work out repayment plans, like a mortgage calculator for example, taking into account changes in interest repayments. Reviewed on: 15th April 2026
Elliot's avatar
Elliot

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