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PayPal: PayPal Credit reviews

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4.90
Based on 82,049 reviews, last reviewed 22nd Apr 2026
2883600% increase in 5 star reviews
in the past 90 days
8500% 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

I love paypal. I love paypal. If you don't want yo pay straight away you csn do it via pay pal credit. Love how easy it is to send money fantastic experience. Even.c... Read more Reviewed on: 22nd April 2026
Miss R's avatar
Miss R

Latest lowest rating:

1

They will trick you into too types of payments and y... They will trick you into too types of payments and you wont be able to pay it off as interest free. The system is made the way you loose always. Reviewed on: 22nd April 2026
Tomas's avatar
Tomas
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (82049)

Paypal is an excellent all rounder It is a great car...

5
Paypal is an excellent all rounder It is a great card to have, and the apr is low compared to my other credit cards Reviewed on: 7th April 2026
David 's avatar
David

Flexible and Convenient

4
I’ve been using PayPal Credit for a while now and I have to say, it’s become one of my go-to options when shopping online. The application process was straightforward and quick, and having the credit available directly within my PayPal account makes checkout incredibly seamless - no need to enter card details every time. What I find most useful is the Buy Now, Pay Later flexibility. The promotional financing offers, especially the interest-free periods on larger purchases, have been really handy for spreading costs without any extra charges - as long as you pay within the promotional window, which I always make sure to do. The credit limit I was offered felt fair, and managing repayments through the PayPal app is simple and transparent. You can see exactly what you owe, when it’s due, and track your spending with ease. Customer service has been responsive on the occasions I’ve needed to get in touch, and I’ve always felt my account was secure. For anyone who shops online regularly and wants a flexible, interest-free way to manage larger purchases, PayPal Credit is well worth considering. Highly recommended for online shoppers looking for convenient, flexible credit. Reviewed on: 7th April 2026
Rajaa B's avatar
Rajaa B

My experience was quite refreshing to see my transac...

5
My experience was quite refreshing to see my transaction was dealt with promptly and efficiently.. Reviewed on: 7th April 2026
Warren W's avatar
Warren W

Quick and easy.

5
Quick and easy. Can pay for most goods without looking for your bank cards. Reviewed on: 7th April 2026
Kevin p's avatar
Kevin p

Excellent service fast efficient secure !

5
Used PayPal for many years - great service and excellent payment methods Reviewed on: 7th April 2026
Michael 's avatar
Michael

I use PayPal regularly it's convenient and offers bu...

5
I use PayPal regularly it's convenient and offers buy now pay later. Excellent customer service Reviewed on: 7th April 2026
SG's avatar
SG

I use PayPal often, feels secure and good for credit

5
I use PayPal often, feels secure and good for credit Reviewed on: 7th April 2026
Flora's avatar
Flora

It's such a relief to know that PayPal credit is the...

5
It's such a relief to know that PayPal credit is there for when you need it. Especially when purchasing something important and you have control to be able to do that - without added interest! Reviewed on: 7th April 2026
Heather C's avatar
Heather C

fine but not sure I have as much protection when pay...

5
fine but not sure I have as much protection when paying for something now Reviewed on: 7th April 2026
Wendy's avatar
Wendy

Offers plenty of flexibility when shopping online

5
Offers plenty of flexibility when shopping online Reviewed on: 7th April 2026
Juan's avatar
Juan

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