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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 104,240 reviews, last reviewed 11th May 2026
2464100% increase in 5 star reviews
in the past 90 days
7300% 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

PayPal has been amazing to use and so straight forwa... PayPal has been amazing to use and so straight forward haven't had one problem with using this and never had a problem using this where it's needed. W... Read more Reviewed on: 11th May 2026
Sarah S's avatar
Sarah S

Latest lowest rating:

1

Paypal enable fraudulent activity Paypal support fraudulent activity using their platform and break the law by refusing to refund fraudulent transactions, failing to investigate fraudu... Read more Reviewed on: 11th May 2026
Joel's avatar
Joel
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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 (104240)

Never had a bad experience with them

5
Never had a bad experience with them Reviewed on: 17th April 2026
Naomi 's avatar
Naomi

It’s so easy.

5
It’s so easy. The biggest praise I can give is to say that once set up (which is so simple) you don’t even know that they are there, everything just happens automatically. Reviewed on: 17th April 2026
Martin H's avatar
Martin H

Great UI, intuitive and responsive.

5
Great UI, intuitive and responsive. Clear information and timely when dealing with issues Reviewed on: 17th April 2026
Folu's avatar
Folu

Great service

5
Whenever I have a problem PayPal customer service are very helpful Reviewed on: 17th April 2026
Sonia B's avatar
Sonia B

Almost brilliant, hard to find the statements

5
Almost brilliant, hard to find the statements Reviewed on: 17th April 2026
Paulina 's avatar
Paulina

Always was helpful to use PayPal service if own mone...

5
Always was helpful to use PayPal service if own money wasn't enough. Thank you Reviewed on: 17th April 2026
Andrea's avatar
Andrea

Use it everyday or at least every week would be lost...

5
Use it everyday or at least every week would be lost without it what did we do before !! Reviewed on: 17th April 2026
lynndoherty@hotmail.com's avatar
[email protected]

They've helped me in my toughest situations so they...

4
They've helped me in my toughest situations so they are good. Reviewed on: 17th April 2026
David A's avatar
David A

All good very useful to have pay in 3 used it quite...

5
All good very useful to have pay in 3 used it quite a few times Reviewed on: 17th April 2026
Ms B's avatar
Ms B

Is PayPal Credit Worth It? My Take

5
I’ve been using PayPal Credit for a while now, and overall it’s been a convenient option for spreading out payments on larger purchases. The application process was quick and straightforward, especially since I already had a PayPal account. Once approved, it was immediately available as a payment option at checkout, which made things very easy. One of the biggest advantages is the promotional financing, like 0% interest for a set period on qualifying purchases. This can be really helpful if you’re disciplined about paying it off within the promotional window. However, if you miss that deadline, the interest can be quite high, and it’s applied retroactively, which is something to watch out for. The interface is simple and integrates seamlessly with PayPal, so managing payments and tracking balances is pretty intuitive. That said, customer support can sometimes be slow to respond, and resolving disputes or billing questions may take longer than expected. Overall, PayPal Credit is a useful financial tool if used carefully. It’s great for flexibility and convenience, but it requires responsible management to avoid high interest charges. Reviewed on: 17th April 2026
H K 's avatar
H K

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