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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 137,070 reviews, last reviewed 12th Jun 2026
3967950% increase in 5 star reviews
in the past 90 days
11050% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I used it various occasions and it was fast and reli... I used it various occasions and it was fast and reliable Reviewed on: 12th June 2026
Khawaja 's avatar
Khawaja

Latest lowest rating:

2

Very disappointed about link bank account and trying... Very disappointed about link bank account and trying to pay my finance bill through PayPal the direct debit never works making me pay extra because it... Read more Reviewed on: 12th June 2026
Charlie P's avatar
Charlie P
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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (137070)

I love the points system, I use PayPal everywhere I...

5
I love the points system, I use PayPal everywhere I go Reviewed on: 11th June 2026
MR P's avatar
MR P

Paypal credit is an excellent option to buy sonethin...

5
Paypal credit is an excellent option to buy sonething using on credit or BNPL. Reviewed on: 11th June 2026
Abin R's avatar
Abin R

Very good,been using for years im happy with paypal

4
Very good,been using for years im happy with paypal Reviewed on: 11th June 2026
Connie Conlon's avatar
Connie Conlon

I'm very happy my experience with PayPal very Exilent

5
I'm very happy my experience with PayPal very Exilent Reviewed on: 11th June 2026
S H's avatar
S H

Fantastic

5
Fantastic love using PayPal recommend it Reviewed on: 11th June 2026
Sian W's avatar
Sian W

Great value

5
Great to have four months to pay for big items Reviewed on: 11th June 2026
Clare's avatar
Clare

Long-Term User Perspective

5
I have been using PayPal for over a decade, primarily for online shopping, and overall it has been a convenient and reliable payment platform. The ease of use, buyer protection, and wide acceptance across retailers have made it my go-to choice for many purchases over the years. One of the most valuable additions for me has been PayPal Credit. It has significantly helped manage my spending, especially with features like “buy now, pay later” and flexible instalment options. Previously, I was able to spread payments across longer terms such as 6, 12, 24, and even 36 months, which made larger purchases much more manageable. However, I’ve recently noticed some limitations that have impacted my experience. PayPal now seems to restrict instalment options to shorter terms, typically only up to 3 payments. This is a step back compared to the flexibility that was previously available, and it reduces the usefulness of PayPal Credit for larger purchases. Another ongoing frustration is the lack of control over repayments. While PayPal offers interest-free periods (usually if the balance is cleared within 4 to 6 months), there is no way to individually select and pay off specific purchases. This can make it difficult to manage balances effectively, especially when multiple transactions are involved. Many other credit providers offer the ability to allocate payments to specific purchases, and it would be a valuable improvement if PayPal introduced a similar feature. Reviewed on: 11th June 2026
Rasaq O's avatar
Rasaq O

Easy to manage

4
Possibility to spend with no interest it’s a good bonus, plus collecting the points helps too Reviewed on: 11th June 2026
Sylwia P's avatar
Sylwia P

Value for money

5
Customer Service is the best. They never let me down. When I am down they pick me up Reviewed on: 11th June 2026
W K Owusu's avatar
W K Owusu

Profesional.

5
Profesional. Make sure the client knows what to do. Easily get the right information Reviewed on: 11th June 2026
Svitlana Beasley's avatar
Svitlana Beasley

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