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PayPal: PayPal Credit reviews

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4.91
Based on 90,548 reviews, last reviewed 30th Apr 2026
1834800% increase in 5 star reviews
in the past 90 days
10400% 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

A real lifesaver for my budget! I have been using PayPal Credit for quite a while now, and I must say it is one of the best financial tools I have ever tried. It’s not just a credit ... Read more Reviewed on: 30th April 2026
Serhii Ilkevych's avatar
Serhii Ilkevych

Latest lowest rating:

2

Wish I had used a different company The app can malfunction leaving you unable to pay off your credit until you have access. The complaints procedure is almost as bad as PayPal Debit, di... Read more Reviewed on: 30th April 2026
Maia N's avatar
Maia N
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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 (90548)

Easy to use but could improve on transparency

5
I’ve been using PayPal Credit for a while now and overall it’s been a convenient way to spread the cost of purchases, especially for larger expenses. The application process was quick and straightforward, and I like how easy it is to manage payments through the app. However, I do feel like the terms and interest charges could be explained more clearly upfront. It’s easy to rely on it without fully realising how quickly interest can add up if you’re not careful. That said, for short-term use and when managed properly, it’s a helpful option to have. I’d recommend it to others, but only if they stay on top of their repayments and understand the terms. Reviewed on: 13th April 2026
gbemi m's avatar
gbemi m

I use PayPal to transfer funds between myself and my...

5
I use PayPal to transfer funds between myself and my brother in France, and also for purchases etc and it’s the best platform! Reviewed on: 13th April 2026
Jordon W's avatar
Jordon W

Easy to use

5
Easy to use, good value, pay in 3 is great feature Reviewed on: 13th April 2026
Ian's avatar
Ian

Am happy with the service which paypal delivered mo...

5
Am happy with the service which paypal delivered more so the communication with customers very helpful and problem solving .I felt listen to and understood thanks paypal keep up the good work. Reviewed on: 13th April 2026
Millicent S's avatar
Millicent S

Robert’s PayPal Credit Review

5
Never have a problem with PayPal Credit Reviewed on: 13th April 2026
Robert C's avatar
Robert C

Been using paypal for many years - great!

5
Been using paypal for many years - great! Reviewed on: 13th April 2026
J h's avatar
J h

Fantastic Service, Would 100% Recommend

5
Brilliant Setting up method, had my credit account set up in minutes haha, decent reminders for my payments, I also do like all the interest plans and everything is very straight forward to use. I would 100% recommend PayPal credit for anyone. Reviewed on: 13th April 2026
Toby B's avatar
Toby B

Good never had any problems .

5
Good never had any problems . Quick and easy to use . Reviewed on: 13th April 2026
Maria 's avatar
Maria

Amazing experience.

5
Amazing experience. Helped a lot to manage my expenses Reviewed on: 13th April 2026
Zubda Ali's avatar
Zubda Ali

Used PayPal for years and it’s always something that...

5
Used PayPal for years and it’s always something that I look for for online payments Reviewed on: 13th April 2026
Katrina R's avatar
Katrina R

Review PayPal: PayPal Credit now

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