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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146334 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th June 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 (146334)

Amazing, easy to access.

Amazing, easy to access. No fusd Reviewed on: 1st June 2026

Had some time off sick and was struggling to get by...

Had some time off sick and was struggling to get by I contacted PayPal who were very understanding and helpful by giving me a payment break till I got back on my feet Reviewed on: 1st June 2026

Always can rely on the best service

Always can rely on the best service Reviewed on: 1st June 2026

Absolutely fantastic service for every need, support...

Absolutely fantastic service for every need, supports what you want to do in life right at your fingertips, paypal enables you to get what you want in life with simple payment plans. Highly recommend as I've been using PayPal for years. Reviewed on: 1st June 2026

Excellent service.

Excellent service. Even better since they started to give physical cards, that give you the opportunity to shop everywhere with PayPay. Reviewed on: 1st June 2026

PayPal is there when you need it its there for the u...

PayPal is there when you need it its there for the unexpected Reviewed on: 1st June 2026

Having the 3 month payment with 0% interest is a gre...

Having the 3 month payment with 0% interest is a great way to buy item Reviewed on: 1st June 2026

Very reliable efficient in communication and making...

Very reliable efficient in communication and making payments easy. Reviewed on: 1st June 2026

Very easy to use the app.

Very easy to use the app. I love the PayPal debit and award points. I use pay in three all the time and you have 4 months free. Customer service is quick to respond. Reviewed on: 1st June 2026

Flexible credit that actually works

I've been using PayPal Credit for a couple of years now and it's become one of my go-to payment options for larger purchases. The 4-month interest-free offer on eligible purchases gives you real breathing room without any hidden catches. The integration with PayPal makes checkout seamless — no extra card details to enter, no friction. Credit limit increases have been handled smoothly over time, and I've never had issues with transactions or customer support when I needed them. It's not a traditional credit card, but for online shopping flexibility, it does the job well. Reviewed on: 1st June 2026

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