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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 84,001 reviews, last reviewed 24th Apr 2026
3062700% increase in 5 star reviews
in the past 90 days
4400% 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:

4

I use it quite often for new websites that I’m not f... I use it quite often for new websites that I’m not familiar with. I feel there is more protection this way. Reviewed on: 24th April 2026
J Logan 's avatar
J Logan

Latest lowest rating:

1

PayPal are very trust worthy and reliable service. PayPal are very trust worthy and reliable service. You can always depend on them. Reviewed on: 24th April 2026
Robert Reilly 's avatar
Robert Reilly
Read all reviews Write a review

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 (84001)

I’ve been with paypal for a long time, but just got...

5
I’ve been with paypal for a long time, but just got a credit card few months ago and I am very happy with it, Reviewed on: 7th April 2026
Umar's avatar
Umar

I have always received help promptly whenever I’ve n...

4
I have always received help promptly whenever I’ve needed it Reviewed on: 7th April 2026
Megan Y's avatar
Megan Y

PayPal paves the way!

5
Very reasonable interest rates. Customer service is first class. Never had any issues paying or receiving payment. Great protection. Reviewed on: 7th April 2026
Ann P's avatar
Ann P

Convenient and Flexible, but Best Used Carefully

5
I’ve been using PayPal Credit for a while now, and overall it’s been a useful option for managing larger purchases. The application process was quick and straightforward, and once approved, it’s automatically available whenever you check out using PayPal, which makes it very convenient. One of the main benefits is the promotional financing offers, such as 0% interest on purchases over a certain amount if paid off within a set timeframe. This is particularly helpful for spreading the cost of bigger items without immediate financial pressure. The account dashboard is also clear and easy to navigate, making it simple to track balances, due dates, and payments. However, there are a few drawbacks to be aware of. If you don’t pay off the balance within the promotional period, the interest rates can be quite high, and interest may be applied retroactively. Minimum payments are fairly low, which can be misleading if you’re not actively trying to clear the balance faster. Customer service can also be a bit inconsistent depending on the issue. Overall, PayPal Credit is a convenient and flexible tool if used responsibly. It works best for people who are organised with repayments and understand the terms, especially around interest. Reviewed on: 7th April 2026
Sophie L's avatar
Sophie L

The worst App ever (Fraud and Scammer)

1
The worst App ever (Fraud and Scammer) Reviewed on: 7th April 2026
Remon L's avatar
Remon L

Nice to buy with ease.

5
Nice to buy before you're money is available. Reviewed on: 7th April 2026
Anonymous A's avatar
Anonymous A

Overall, PayPal Credit is a great choice for anyone...

5
Overall, PayPal Credit is a great choice for anyone looking for a simple, trusted way to manage payments and access short-term credit with flexibility. Reviewed on: 7th April 2026
Ali A's avatar
Ali A

Amazing work ,good connection fcchnhfgbjbbgbvghh

5
Amazing work ,good connection fcchnhfgbjbbgbvghh Reviewed on: 7th April 2026
Niedzwiedz's avatar
Niedzwiedz

Refunded money

5
Great customer service. Sorted a problem there and then. Refunded money straight to my account Reviewed on: 7th April 2026
Annabel S's avatar
Annabel S

Very good, easy to manage, 4 months no interest is g...

5
Very good, easy to manage, 4 months no interest is good Reviewed on: 7th April 2026
Stephen C's avatar
Stephen C

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