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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181150 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 (181150)

PayPal Credit 4 months interest free period has help...

PayPal Credit 4 months interest free period has helped me a great deal with purchases that I would not afford to pay the full amount straight away in one go. Reviewed on: 6th July 2026

Game Changer!

PayPal Credit is an excellent tool for managing cash flow. I used it to split a major purchase into 3 installments, taking advantage of their 0% interest offer for purchases. Pros: Seamless checkout, clear dashboard tracking, and true 0% interest if cleared early. Cons: It acts as a credit line, so you must manually budget the 3 payments to avoid deferred interest. Highly recommended for disciplined buyers looking to break down large expenses smoothly. Reviewed on: 6th July 2026

PayPal credit is a lifesaver.

PayPal credit is a lifesaver. It also allows for easy interest free payment options. Highly recommended Reviewed on: 6th July 2026

The PayPal pay over 3 equal amounts with no interest...

The PayPal pay over 3 equal amounts with no interest for the purchase helps spread the cost and great value for money and managing cashflow Reviewed on: 6th July 2026

Never had any issues.

Never had any issues. Seamless process Reviewed on: 6th July 2026

I love using PayPal to pay and receive money, the fe...

I love using PayPal to pay and receive money, the fee isn't too heavy and almost all shops online accept PayPal payments Reviewed on: 6th July 2026

Very flexible terms, and the ability to pay as much...

Very flexible terms, and the ability to pay as much as you want, whenever you want (outwith the standard terms) is incredibly handy. Reviewed on: 6th July 2026

Fantastic always helped me for years be lost witho...

Fantastic always helped me for years be lost without paypal Reviewed on: 6th July 2026

Convenient and there when I need it

I have used PayPal credit as it was so convenient, easy to use, there when I need it. I use PayPal to make payments all the time and to have credit on top on that was great. Reviewed on: 6th July 2026

So far excellent.

So far excellent. Been using it for multiple things to buy, and also unsure scam free deals. Reviewed on: 6th July 2026

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