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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 86,695 reviews, last reviewed 27th Apr 2026
1656000% increase in 5 star reviews
in the past 90 days
4650% 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

Good to use top notch service to use Good to use when transacting internationally Reviewed on: 27th April 2026
Nathaniel Kwesi Somuah's avatar
Nathaniel Kwesi Somuah

Latest lowest rating:

2

The app could be better better lay out easy to under... The app could be better better lay out easy to understand Reviewed on: 26th April 2026
M h arabi's avatar
M h arabi
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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 (86695)

PayPal is great the customer service is also amazing...

5
PayPal is great the customer service is also amazing, I only wish it updated quicker when you paid money off the balance Reviewed on: 13th April 2026
Lauren 's avatar
Lauren

Very easy to use no hassle I feel safer using PayPal...

5
Very easy to use no hassle I feel safer using PayPal than other payment methods on the market Reviewed on: 13th April 2026
Robert K's avatar
Robert K

Really happy with PayPal credit.

5
Really happy with PayPal credit. It gives me options to split larger purchases down into longer pay periods or when it get tight towards payday I can top up the car without panicking as I have the flexibility to pay it back asap. Communication is great, I’ve had no issues as yet but feel kept up to date with any changes and the payment system itself is very easy to use. Reviewed on: 13th April 2026
Emily N's avatar
Emily N

I’m using PayPal so many years and I’m very happy wi...

5
I’m using PayPal so many years and I’m very happy with that Reviewed on: 13th April 2026
Ana's avatar
Ana

inuse my Paypal for shopping on holiday and pay onli...

5
inuse my Paypal for shopping on holiday and pay online excellent Reviewed on: 13th April 2026
wali a's avatar
wali a

I feel safer when paying with PayPal and like how I...

5
I feel safer when paying with PayPal and like how I can pay into what I owe at anytime as well as I can check what I due. Reviewed on: 13th April 2026
Rb's avatar
Rb

Loyal to paypal

5
Have used PayPal for years and never a bad experience Reviewed on: 13th April 2026
Kari D's avatar
Kari D

Great for managing spending

5
Paypal credit has helped me manage my spending with interest free instalments over 4 months and pay in 3 is great for smaller spends. Reviewed on: 13th April 2026
Lea P's avatar
Lea P

Absolutely fantastic experience using PayPal Credit...

5
Absolutely fantastic experience using PayPal Credit with the 4 months interest-free option. The whole process was incredibly straightforward and easy to set up, making it a great choice for spreading the cost without any added stress. Having 4 months interest-free gave real flexibility and peace of mind, allowing plenty of time to manage payments comfortably. Everything was clear and transparent from the beginning, with no hidden surprises—just a simple, reliable way to finance a purchase. It made a big difference being able to go ahead with confidence, knowing there were no extra costs as long as it was paid within the interest-free period. If you’re considering PayPal Credit, the 4 months interest-free option is a brilliant feature—convenient, flexible, and hassle-free. Highly recommended for anyone looking for a smarter way to pay. Reviewed on: 13th April 2026
Philip M's avatar
Philip M

Excellent soft-credit option

5
PayPal credit has made it so much easier for me to split my finances & payments in order for me to purchase things I enjoy without worrying about large amounts of money leaving my bank account in one whole sum. As a soft credit option I would really recommend it. Reviewed on: 13th April 2026
Jess's avatar
Jess

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