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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181151 reviews)

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4.73

Based on 181,150 reviews, last reviewed 17th Sep 2026

59% decrease in 5 star reviews

in the past 90 days

45% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Amazing!!! Just really easy to use and great company Reviewed on: 17th September 2026

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

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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 (181151)

Worth it's weight in gold

Never fails to exceed expectations, easy to use, easy to repay and all round accessible. Reviewed on: 6th July 2026

Good service

Enjoying using PayPal as it's very secure Reviewed on: 6th July 2026

Easy to use service with options suited to budget

PayPal credit has given me freedom to chose from a variety of payment options that best suit me at the time. Whether it’s the pay in 3 that gives me that little extra time or whether it’s the credit version which has been a life saver for an unexpected necessary large purchase. The 4 months interest free on larger purchases saves some money even if I don’t pay the full balance off in that time period. The interest rate afterwards isn’t tiny but it’s definitely not the worst I’ve seen. I don’t use it all the time but when I do it’s been invaluable. It’s also very easy to use and the descriptions of each service are clear and easy to understand. Reviewed on: 6th July 2026

Using PayPal for many platform to buy things and...

I’m using PayPal for many platform to buy things and I’m satisfied with service provided by PayPal Reviewed on: 6th July 2026

We could not get credit anywhere.

We could not get credit anywhere. Then we discovered paypal. We now have excellent credit. Their pay in three and 6 month 0% are amazing for breaking up payments. We would recommend paypal to anyone. Reviewed on: 6th July 2026

Always there when I need it so easy to use...

Always there when I need it so easy to use Reviewed on: 6th July 2026

Fast & simple

The process to appply is easy and straightforward. You are usually pre-approved, so no need to sweat it. Allows me to spread cost and make the purchase sooner Reviewed on: 6th July 2026

Very effective and effecient services

Very effective and effecient services Reviewed on: 6th July 2026

I've been using PayPal credit for quite some time now.

I've been using PayPal credit for quite some time now. It's very convenient and available to use at nearly every retailer online. Reviewed on: 6th July 2026

Been a member for over 20 years.

Been a member for over 20 years. Very happy with service. Paying safely for on line purchases. Pay in 3 is great. Also being able to pay friends. Reviewed on: 6th July 2026

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