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PayPal: PayPal Credit reviews

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4.90
Based on 86,504 reviews, last reviewed 26th Apr 2026
1647150% increase in 5 star reviews
in the past 90 days
4650% 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

Very good experience as always. Very good experience as always. Very quick and hood Reviewed on: 26th April 2026
Jack L's avatar
Jack L

Latest lowest rating:

2

Sometimes it works but not always. Sometimes it works but not always.. offers made for split repayments the balances are not always shown. Confusing Reviewed on: 26th April 2026
Jim F's avatar
Jim F
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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 (86504)

overall, pretty good

4
I've had great experience with credit lines such as pay in 3. Customer service often however is frustrating because they struggle to understand the problem and appear to resort to script's Reviewed on: 27th May 2025
Scott Edy's avatar
Scott Edy

Efficient and easy to access.

5
Efficient and easy to access. Manageable repayments. Reviewed on: 27th May 2025
OYS's avatar
OYS

Thumbs up for PayPal

5
I’ve been with PayPal for several years, the app is easy to navigate, I feel safe knowing that my transactions are secure .its easy to connect with Customer Service who are quick to respond and helpful Reviewed on: 27th May 2025
Hayley 's avatar
Hayley

Brilliant Efficient Service!

5
Brilliant amount of credit when I really needed it - so much appreciated! Terrific detailed information & updates on my account every step of the way, great customer service & a very good manageable repayment plan. Thank You PayPal! Reviewed on: 27th May 2025
Sion's avatar
Sion

Amazing offers and plans.

4
Amazing offers and plans. It is so helpful but the interest on the PayPal credit is high Reviewed on: 27th May 2025
Nuss's avatar
Nuss

Exception

5
It’s very easy to use very secured and always provide the best. Reviewed on: 27th May 2025
Zahor M's avatar
Zahor M

Thankful for an impeccable service!

5
Thankful for an impeccable service! Reviewed on: 27th May 2025
ANA M's avatar
ANA M

I have been using Paypal for years now.

5
I have been using Paypal for years now. Recently using the inbuilt credit facility. Its really useful Reviewed on: 27th May 2025
mark f's avatar
mark f

I’ve had a great experience using PayPal Credit.

5
I’ve had a great experience using PayPal Credit. The 0% interest for 4 months has been really helpful, especially for spreading the cost of bigger buys like electronics or travel. It's easy to set up and integrates smoothly with my PayPal account, so checkout is quick and hassle-free. I like that there’s no annual fee, and I get the added confidence of PayPal Buyer Protection. As long as I pay off the balance within the promotional period, I don’t pay any interest—which makes it a smart budgeting tool for me. For anyone comfortable managing payments and looking for a flexible, interest-free option, I’d definitely recommend PayPal Credit. Reviewed on: 27th May 2025
Carmen C's avatar
Carmen C

Paypal review

5
Nearly every time I need to sort something financial it goes through PayPal. Reviewed on: 27th May 2025
NJ's avatar
NJ

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