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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)

PayPal really did assist me with my online purchases...

PayPal really did assist me with my online purchases and gives me alternative credit opportunities Reviewed on: 6th July 2026

I always use PayPal for my transactions, the PayPal...

I always use PayPal for my transactions, the PayPal credit is so helpful, making my life easier Reviewed on: 6th July 2026

Positive experience using PayPal Credit

've had a generally positive experience using PayPal Credit. The application process was straightforward, and it's been convenient for spreading the cost of larger purchases. The promotional interest-free periods can be useful if you pay the balance in full before the offer ends. One drawback is that the standard interest rate can be quite high if you don't clear the balance within the promotional period, so it's important to understand the terms before using it. The account management through PayPal is easy enough, although it can sometimes be difficult to find detailed information about repayments or promotional balances. Overall, PayPal Credit is a convenient option for planned purchases if you're confident you can repay on time. I'd recommend reading the terms carefully and setting up reminders or automatic payments to avoid unexpected interest charges. Reviewed on: 6th July 2026

pay in 3 payment method & support team

I find there pay in 3 payment method very useful and when I've had queries with anything their support team has been very helpful Reviewed on: 6th July 2026

Hi i love paypal ...

Hi i love paypal its my safe space to spend money knowing they will be there if anything goes wrong with a transaction, it give me a bit more freedom to buy things I wouldn't normally be able to afford straight away, and the interest free for 4 month is just amazing. Reviewed on: 6th July 2026

PayPal for the win !

PayPal has been great for me , for sending money for purchases or receiving money if I have sold things , also credit to buy things and spread the cost when I’ve needed to and found myself in a bit of a financial situation Reviewed on: 6th July 2026

Can’t fault the service

Been using pay pal for many years , brilliant service and any issues dealt with promptly Reviewed on: 6th July 2026

Nice easy options

Nice easy options, rates are comparable and they don’t just throw further limits at you like lots of other lenders do, I’ve friends who have fallen into that trap. Reviewed on: 6th July 2026

The approval process was quick, the installment paym...

The approval process was quick, the installment payment option is very convenient, and overall, I highly recommend it. Reviewed on: 6th July 2026

Easy to use

Easy to use, good access to view and pay account Reviewed on: 6th July 2026

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