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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,154 reviews, last reviewed 29th Sep 2026
65% decrease in 5 star reviews
in the past 90 days
53% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026
Ozie F's avatar
Ozie F

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews See your 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.

PayPal PayPal Credit reviews (181154)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

5
Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024
Manjeet P's avatar
Manjeet P

PayPal credit card

5
Just got a PayPal credit card and it was very quick and easy to set up, card got sent straight away no hassle. All on the app to see how much and when to pay so far it’s a credit addition to my PayPal account. Reviewed on: 13th July 2026
Wallis 's avatar
Wallis

Pay in 3

5
Easy to use, especially like interest free pay in 3 Reviewed on: 13th July 2026
Jackue's avatar
Jackue

Excellent

5
Easy to send and receive money internationally. * Widely accepted by online retailers and marketplaces. * Strong buyer protection for eligible purchases. * Fast checkout without repeatedly entering card details. * Supports multiple payment methods (bank accounts, debit cards, credit cards). Reviewed on: 13th July 2026
Nadhiya B's avatar
Nadhiya B

Really positive, no issues.

5
Really positive, no issues. My go to credit card Reviewed on: 13th July 2026
Naomi G's avatar
Naomi G

Very informative and always kept updated with up and...

5
Very informative and always kept updated with up and coming payments in progress Reviewed on: 13th July 2026
Heather R's avatar
Heather R

Twice I missed payments and got charged.

4
Twice I missed payments and got charged. I won't be using again. Very clunky and I don't think it will be complimentary to my existing credit arrangements Reviewed on: 13th July 2026
Colonialcousin 's avatar
Colonialcousin

I use paypal credit to help set up my business and h...

4
I use paypal credit to help set up my business and help with some costs. It works, the interest rates can be a little confusing at times, but you really should only use this if you are capable of handling the monthly payments anyway! Reviewed on: 13th July 2026
Oscar Dove's avatar
Oscar Dove

Very cleans and professional service app is great to...

5
Very cleans and professional service app is great to use and the people are very warm and friendly Reviewed on: 13th July 2026
Aaron p's avatar
Aaron p

Paypal is efficient service the transfer from bank a...

5
Paypal is efficient service the transfer from bank account to PayPal occurs in minutes Reviewed on: 13th July 2026
Yusuf m's avatar
Yusuf m

I LOVE PAYPAL CREDIT.

5
I LOVE PAYPAL CREDIT. Never had a problem with it at all, don’t get charged interest and so easy to pay back. Reviewed on: 13th July 2026
Desiree Bratcher's avatar
Desiree Bratcher

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