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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181148)

Easy to use

Easy to use and helps spread the cost when money is tight Reviewed on: 6th July 2026

Lifesaver!

PayPal Credit had been very helpful in times when I have needed a little extra time to pay in full. The interest rate is very reasonable. Reviewed on: 6th July 2026

Reliable and easy to use

I've had a very positive experience using PayPal Credit. The application process was quick and straightforward, and it's been a convenient way to spread the cost of purchases when needed. Managing payments is simple through the PayPal app, and everything has worked reliably. I appreciate the flexibility it provides and would happily recommend PayPal Credit to anyone looking for a trusted and easy-to-use payment option. Reviewed on: 6th July 2026

0% interest periods

Great for large purchases you want to spread, but I am always sure to pay it off before the period runs out Reviewed on: 6th July 2026

Easy and fair, unique with payment options

Easy and fair, unique with payment options Reviewed on: 6th July 2026

Excellent service great for financial transactions

Excellent service great for financial transactions Reviewed on: 6th July 2026

Simple and Effective Credit Card

It has a clean, intuitive interface that’s easy to understand, especially when it comes to viewing charges. It also gives me the flexibility to spread payments over a longer period at 0% interest more regularly than most other credit cards. Reviewed on: 6th July 2026

Go to credit for larger purchases, giving peace of m...

Go to credit for larger purchases, giving peace of mind and easy dispute procedure. This tide with interest free for 4 months and other longer offers from some retailers makes it my go to choice with the app making it easy to make repayments. Only real negative is that a payment can take a few days to show or be taken from account Reviewed on: 6th July 2026

Every time I ask PayPal for credit or to pay somethi...

Every time I ask PayPal for credit or to pay something for me it’s unbelievably quick and easy no hassle just a confirmation best service out there put Clearpay and klarma to shame Reviewed on: 6th July 2026

Very convenient and easy to use.

Been with paypal for many years and any issues that arose had been dealt with a professional manner and cross fingers nothing major had occurred. Reviewed on: 6th July 2026

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