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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (80931 reviews)

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4.90

Based on 80,931 reviews, last reviewed 22nd Apr 2026

2779500% increase in 5 star reviews

in the past 90 days

8100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Recommended to All, Extremely Happy I have been using PayPal for sometime now and find it extremely convenient and helpful for my finances. Reviewed on: 22nd April 2026

Latest lowest rating:

2

Its no Klarna or clearpay Its no Klarna or clearpay in terms of paypal doesn't give reminders about making payments to paypal credit so you end up getting in more debt with lat... Read more Reviewed on: 21st April 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 (80931)

I’ve been with paypal for a long time, but just got...

I’ve been with paypal for a long time, but just got a credit card few months ago and I am very happy with it, Reviewed on: 7th April 2026

I have always received help promptly whenever I’ve n...

I have always received help promptly whenever I’ve needed it Reviewed on: 7th April 2026

PayPal paves the way!

Very reasonable interest rates. Customer service is first class. Never had any issues paying or receiving payment. Great protection. Reviewed on: 7th April 2026

Convenient and Flexible, but Best Used Carefully

I’ve been using PayPal Credit for a while now, and overall it’s been a useful option for managing larger purchases. The application process was quick and straightforward, and once approved, it’s automatically available whenever you check out using PayPal, which makes it very convenient. One of the main benefits is the promotional financing offers, such as 0% interest on purchases over a certain amount if paid off within a set timeframe. This is particularly helpful for spreading the cost of bigger items without immediate financial pressure. The account dashboard is also clear and easy to navigate, making it simple to track balances, due dates, and payments. However, there are a few drawbacks to be aware of. If you don’t pay off the balance within the promotional period, the interest rates can be quite high, and interest may be applied retroactively. Minimum payments are fairly low, which can be misleading if you’re not actively trying to clear the balance faster. Customer service can also be a bit inconsistent depending on the issue. Overall, PayPal Credit is a convenient and flexible tool if used responsibly. It works best for people who are organised with repayments and understand the terms, especially around interest. Reviewed on: 7th April 2026

The worst App ever (Fraud and Scammer)

The worst App ever (Fraud and Scammer) Reviewed on: 7th April 2026

Nice to buy with ease.

Nice to buy before you're money is available. Reviewed on: 7th April 2026

Overall, PayPal Credit is a great choice for anyone...

Overall, PayPal Credit is a great choice for anyone looking for a simple, trusted way to manage payments and access short-term credit with flexibility. Reviewed on: 7th April 2026

Amazing work ,good connection fcchnhfgbjbbgbvghh

Amazing work ,good connection fcchnhfgbjbbgbvghh Reviewed on: 7th April 2026

Refunded money

Great customer service. Sorted a problem there and then. Refunded money straight to my account Reviewed on: 7th April 2026

Very good, easy to manage, 4 months no interest is g...

Very good, easy to manage, 4 months no interest is good Reviewed on: 7th April 2026

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