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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

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4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

Great service

I’ve used pal for a few years now, find it easy to use, good customer service. Reviewed on: 6th July 2026

Pay in three credit

I like the fact that I can spread the cost by using the pay in three facility. It helps me to mirror my income. Reviewed on: 6th July 2026

PayPal credit is great for spreading payments

I find PayPal credit (pay on 3 or pay in 4) really useful for spreading the costs of higher cost items. Reviewed on: 6th July 2026

Easy to use, good finance deals.

Easy to use, good finance deals. Love having 4 months interest free credit and the ability to use it when buying through the majority of online retailers Reviewed on: 6th July 2026

I have been using PayPal a number of years and it ha...

I have been using PayPal a number of years and it has already been a pleasant and easy to use service. Ive used PayPal to send gifts to friends and family and it always arrives on time. In the past i have introduced PayPal to friends and family. Reviewed on: 6th July 2026

Easy to use.

Easy to use. Simple payment plans allowing you to make one off payments without penalty. Interest rates are very reasonable. Reviewed on: 6th July 2026

I've bought numerous high priced items and spread th...

I've bought numerous high priced items and spread the payments with PayPal credit. No APR added on top which is great for me to pay monthly when I get paid. Without PayPal credit I couldn't have done that Reviewed on: 6th July 2026

It enables me to buy more expensive items and sprea...

It enables me to buy more expensive items and spread the payments out a bit Reviewed on: 6th July 2026

So easy to complete payment details.

So easy to complete payment details. Just a simple tick to be transferred and so quickly processed. Feels so secure. Reviewed on: 6th July 2026

I have been with pay pal for years it’s easy simple...

I have been with pay pal for years it’s easy simple easy payment Reviewed on: 6th July 2026

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