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PayPal: PayPal Credit reviews

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4.90
Based on 86,437 reviews, last reviewed 26th Apr 2026
1643900% 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

Great service and easy to use and straightforward Great service and easy to use and straightforward Reviewed on: 26th April 2026
Michael C's avatar
Michael C

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
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.

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PayPal PayPal Credit reviews (86437)

It's very useful for retail purchases in smaller amo...

4
It's very useful for retail purchases in smaller amounts rather than PayPal pay in 3. My only negative is the credit limit hasn't been offered a increase yet Reviewed on: 27th May 2025
Ase Naturals's avatar
Ase Naturals

Using at all times.

5
Never any issues. Using every time there is an option to pay via PayPal. Reviewed on: 27th May 2025
Lenka G's avatar
Lenka G

Paypal makes life easier.

5
Paypal makes life easier. Is safe and fair. Great app and service Reviewed on: 27th May 2025
Ana S's avatar
Ana S

Flexible and Convenient Financing with PayPal Credit"

5
PayPal Credit is a convenient and flexible way to finance online purchases. It’s easy to use, integrates smoothly at checkout, and offers interest-free financing on qualifying purchases if paid off in time. A great option for managing bigger buys without upfront costs. Reviewed on: 27th May 2025
Vlada L's avatar
Vlada L

Paypal is definitely a Pal that you Pay.

5
Paypal is a safety net when it comes to shopping online, which is becoming more and more accessible. I love that with paypal credit, you can spread the cost without the interest, provided that you make the payments in the agreed timeframe. I was a bit nervous at first, as to how it would work and how it would affect my credit score but I always pay in the allotted time and really appreciate being able to spread the cost, which frees up some finances no matter how big or small, for something else. Obviously like everything, you have to be clear about the finer details before you sign up for any credit because if you are unable to make the payments for whatever reason, it could negatively impact your credit score and leave you in debt. My experience has been a really positive one and I would definitely recommend this type of credit to anyone that is good at budgeting. Reviewed on: 27th May 2025
BettyBoop's avatar
BettyBoop

Safe service

5
Very easy to use for fast and safe payments. Reviewed on: 27th May 2025
Richard W's avatar
Richard W

Always made shopping so much easier great value

5
Always made shopping so much easier Reviewed on: 27th May 2025
Tony D's avatar
Tony D

Used PayPal for years and I love the safety of it.

4
Used PayPal for years and I love the safety of it. If a order goes wrong PayPal will step in to help solve any problems between buyer and seller. Reviewed on: 27th May 2025
David H's avatar
David H

PayPal easy to keeps you updated

5
Website easy to use. Get updated when you need to make payment, plus can link bank to pay Reviewed on: 27th May 2025
Kathleen Carroll's avatar
Kathleen Carroll

Super Experience

4
I have had two experiences, both successful where my money was back in my account within days. No issue in making my claim, answered my questions very quickly. My claim was checked with the seller and I was informed every step of the way. Reviewed on: 27th May 2025
Deb Hunt's avatar
Deb Hunt

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