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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147520 reviews)

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4.73

Based on 147,512 reviews, last reviewed 2nd Jul 2026

4442350% increase in 5 star reviews

in the past 90 days

12900% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Highly recommended. Highly recommended. Very easy and convenient to use. All very straightforward. Reviewed on: 2nd July 2026

Latest lowest rating:

2

Not helpful I have been with PayPal for many years and there have been a few problems I have had with payments and scams and they have not been resolved correctly Reviewed on: 2nd 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 (147520)

Great experience using this service and great rates too

Great experience using this service and great rates too Reviewed on: 8th June 2026

Safe & comfortable shopping

Used PayPal for years for protection when purchasing online. Knowing you are covered, especially when using new websites. Also have PayPal credit account. Although new interest rate is quite high. Reviewed on: 8th June 2026

Amazing and easy

Always good services and help easy to use Reviewed on: 8th June 2026

Good company who allow payments to be spread over a...

Good company who allow payments to be spread over a select amount of months. This is helpful for larger sales. Reviewed on: 8th June 2026

They do what they say, funding when you want it

They do what they say, funding for what you buy and 0% and you can pay it off when you want. Fantastic support when you talk to them as well. Reviewed on: 8th June 2026

good communication.

good communication.Received emails and statements ensuring i stayed on track with repayments. Reviewed on: 8th June 2026

Great too for managing large purchasses

I have been using PayPal Finance (specifically PayPal Credit and their "Pay in 3" / "Pay in 4" options) for over a year now, primarily for managing larger online purchases like electronics, home maintenance tools, and unexpected household expenses. Overall, it is an incredibly convenient financial tool, but it requires strict self-discipline to avoid high interest rates. If you treat it like a strict installment plan—paying off every balance well before the promotional interest-free period expires—it offers fantastic flexibility for managing major expenses. Reviewed on: 8th June 2026

No hassle at all.

No hassle at all. Everything is comfortable for both parties. I never use my credit card from my bank. Just by PayPal all can be done easily. Thank you so much, PayPal! Can't live without your support! Reviewed on: 8th June 2026

Why I find paypal credit so useful

I think PayPal Credit is a very useful financial tool because it gives me flexibility when making purchases and helps me manage my money more effectively. Instead of paying the full amount for a purchase immediately, I can spread the cost over time, which makes it easier to budget and avoid putting too much pressure on my finances at once. One of the main benefits for me is convenience. When unexpected expenses arise or when I need to make a larger purchase, PayPal Credit allows me to buy what I need and then repay the balance in manageable amounts. This helps me maintain better control over my monthly budget and ensures I can continue to meet my other financial commitments. I also find it helpful because it is integrated with PayPal, making transactions simple and secure. I can track my spending, view my balance, and monitor repayments online, which helps me stay organised and aware of my financial situation. Having clear records of my purchases makes it easier to manage my money responsibly. Another reason I value PayPal Credit is that it can help me plan ahead. By spreading payments over time, I can avoid using all of my available cash at once and keep funds available for other important expenses. When used responsibly and paid back on time, it provides a practical way to manage larger purchases while maintaining financial stability. Overall, I believe PayPal Credit is a good financial tool because it offers flexibility, convenience, and greater control over my spending, helping me manage my money in a more organised and responsible way Reviewed on: 8th June 2026

PayPal credit

Always convenient when I need it and their rates are very competitive. I’ve used PayPal credit for many years and never had any issues. Reviewed on: 8th June 2026

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