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PayPal: PayPal Credit reviews

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4.90
Based on 59,334 reviews, last reviewed 12th Apr 2026
785500% increase in 5 star reviews
in the past 90 days
2700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Just feels a safe platform to pay, send money. Just feels a safe platform to pay, send money. Always feel happier using PayPal. Reviewed on: 12th April 2026
Rob Trystan 's avatar
Rob Trystan

Latest lowest rating:

1

Using PayPal Credit feels unnecessarily slow and fru... Using PayPal Credit feels unnecessarily slow and frustrating, especially in a digital age where transactions should be processed instantly. When I mak... Read more Reviewed on: 12th April 2026
Ksgrg's avatar
Ksgrg
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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 (59334)

I have never had any problems when using PayPal

5
I have never had any problems when using PayPal Reviewed on: 26th May 2025
Alexander H's avatar
Alexander H

Buy with confidence and options

5
Great for buying with confidence and such a good option for buying larger purchases and having the option to spread the cost!! I've used PayPal credit lots over the years and will continue to do so. Reviewed on: 26th May 2025
Jayne Louise Morris's avatar
Jayne Louise Morris

Paypal is 10/10

5
I love paypal credit it really helps to have the option of paying for something over a few months Reviewed on: 26th May 2025
Erin Whittaker's avatar
Erin Whittaker

I had PayPal for many years and have no issue with i...

4
I had PayPal for many years and have no issue with it much easier to checkout with PayPal more secure for me Reviewed on: 26th May 2025
MOHAMED R's avatar
MOHAMED R

I had a great experience with PayPal Credit

5
I had a great experience with PayPal Credit — easy to apply, quick approval, and the interest-free period made it super manageable to pay off a larger purchase without stress. Reviewed on: 26th May 2025
Leigha M's avatar
Leigha M

Good customer service

4
Most of the times I have contacted customer service they have been very helpful and quick in resolving any issues I had, but the automated voice option is still very poor and unreliable. Reviewed on: 26th May 2025
sai kiran's avatar
sai kiran

Easy to help, fast service, no issues.

5
Easy to help, fast service, no issues. Never had a problem, always accepted immediately. Payments are simple, overpayments easy. Reviewed on: 26th May 2025
Richard F's avatar
Richard F

PayPal Credit

5
As someone who shops online frequently, PayPal Credit has been a real game-changer for me. It’s super easy to use—once it’s set up, it integrates seamlessly into my PayPal account, so I can choose it at checkout without entering any extra details. What I really appreciate is the 0% interest for 4 or 6 months on larger purchases (depending on the region and amount). It gives me time to spread out payments without worrying about interest—as long as I clear the balance in time. It’s helped me manage my budget better, especially for unexpected expenses or bigger buys I didn’t want to pay for all at once. I also get clear monthly statements and reminders, which make it easy to keep track of what I owe. I’ve never had any issues with hidden fees or surprises. Overall, PayPal Credit has made online shopping more flexible and stress-free for me. As long as you’re responsible with payments, it’s a great tool to have. Reviewed on: 26th May 2025
Robert B's avatar
Robert B

I have used PayPal for years.

5
I have used PayPal for years. Secure transactions makes moving money easily. I have just recently used PayPal Credit and it’s good to know that I have credit to use in emergencies. Reviewed on: 26th May 2025
E's avatar
E

Easy to access specially if your buying something.

5
Easy to access specially if your buying something. Direct to the point. Reviewed on: 26th May 2025
Maria 's avatar
Maria

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