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PayPal: PayPal Credit reviews

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4.90
Based on 79,521 reviews, last reviewed 21st Apr 2026
2648500% increase in 5 star reviews
in the past 90 days
7700% 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

Satisfied customer with the various financie options Satisfied customer with the various financie options Reviewed on: 21st April 2026
Sunday 's avatar
Sunday

Latest lowest rating:

1

Had enough will be ditching account. convenience paypal wins.. but with disputes its hit and miss and a miss can cost me a lot of money long term. recently not happy with disputes and the... Read more Reviewed on: 21st April 2026
Gabe's avatar
Gabe
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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 (79521)

PayPal is very convenient and very trust worthy for...

5
PayPal is very convenient and very trust worthy for buying Reviewed on: 6th April 2026
Ian Scott Davies's avatar
Ian Scott Davies

Really good alternative

4
I don’t have a credit card as I have anxieties and a lack of education around it. PayPal Credit has been a great alternative in helping me improve my credit score and spread out expensive payments for years now. I feel in control of payments. I am always reminded when a payment is upcoming and I am happy to continue to use. Reviewed on: 6th April 2026
SA's avatar
SA

Very Easy no hassle

5
Was easy and quick to set up very easy to use just log in and go Reviewed on: 6th April 2026
Gary M's avatar
Gary M

4 months interest free

5
When offered, the 4 months interest free is very convenient. Reviewed on: 6th April 2026
Dan W's avatar
Dan W

Used PayPal for a number of years.

5
Been using PayPal for a number of years , never had any problems. First time using PayPal credit easy to set up. Reviewed on: 6th April 2026
DAVID T's avatar
DAVID T

Pay pay is a great place if you need to spead the co...

5
Pay pay is a great place if you need to spead the cost of items Reviewed on: 6th April 2026
Richard O's avatar
Richard O

Great service

5
PayPal credit has allowed me grow my business and the service is always incredible. Reviewed on: 6th April 2026
Gemma S's avatar
Gemma S

Simple, flexible, and genuinely useful

5
PayPal Credit has made managing purchases much easier for me, especially when unexpected costs have come up and exceeded my budget. I really like how quickly it can be used at checkout without having to enter lots of details, and the flexibility to spread payments takes the pressure off in those moments. The whole process feels smooth and easy to follow, and I’ve found it helpful for staying in control without things getting complicated. It fits naturally into how I already use PayPal, which makes it even more convenient. As long as you stay on top of your payments and keep an eye on the terms, it works really well. For me, it’s been a simple and reliable way to manage spending when I need a bit more flexibility. Reviewed on: 6th April 2026
Lani H's avatar
Lani H

The customer service always answered with no wait qu...

5
The customer service always answered with no wait queues , and always helpful . My enquiries are always answered to my satisfaction Reviewed on: 6th April 2026
Michell c's avatar
Michell c

Paypal credit, convenience at your disposal

5
Paypal credit is the absolute best and most convenient purchasing tool on the Internet. Just keep your discipline, and the convenience of PayPal credit will benefit you the opportunity to spread the cost of necessity as often as required. Brilliant service PayPal, thank you so much, over and over again. Reviewed on: 6th April 2026
Neil 's avatar
Neil

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