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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181149 reviews)

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4.73

Based on 181,149 reviews, last reviewed 14th Sep 2026

55% decrease in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th 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 (181149)

Instant flexible 4 months 0% interest

I'll use the 4 months 0% interest offer now and again. Works instantly and offers flexibility, more often than not I'll pay it back earlier than the 4 months, no issues, no early fees. Reviewed on: 6th July 2026

I’ve had a great experience using PayPal Credit.

I’ve had a great experience using PayPal Credit. It’s a convenient way to spread the cost of larger purchases, making it much easier to manage my budget. The interest rates and promotional offers are competitive, especially when used responsibly. The application and payment process is straightforward, and everything is easy to manage through my PayPal account. I also like that it’s accepted by so many online retailers, giving me plenty of flexibility when shopping. Overall, PayPal Credit has been a reliable and easy-to-use payment option, and I’d happily recommend it to anyone looking for a flexible way to spread the cost of purchases. Reviewed on: 6th July 2026

Excellent when you need to spread the cost.

Excellent for using throughout the year and especially at Christmas for both large and small items. Knowing I can spread the cost. Reviewed on: 6th July 2026

Always find them extremely helpful and any issues re...

Always find them extremely helpful and any issues resolved quickly Reviewed on: 6th July 2026

In safe hands

Great experience. Honest money and no surprises. Great app and communication. Reviewed on: 6th July 2026

Excellent service and customer service support

Excellent service and customer service support Reviewed on: 6th July 2026

Use Wisely its a Great Way to help your finances

I use it to spread my expenses it is a great way off getting the things you want when you want! Reviewed on: 6th July 2026

As a beginner it’s a great start .

As a beginner it’s a great start . Reviewed on: 6th July 2026

It’s always only a few clicks to the purchases.

It’s always only a few clicks to the purchases. Knowing that you are covered and protected by the PayPal consumer insurance is a great piece of mind. I’ll always recommend recommended PayPal highly Reviewed on: 6th July 2026

Good experience, fast money transfer and they are qu...

Good experience, fast money transfer and they are quick to respond Reviewed on: 6th July 2026

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