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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 76,484 reviews, last reviewed 18th Apr 2026
2366500% increase in 5 star reviews
in the past 90 days
6800% 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

All good no problems , it’s usually smooth and infor... All good no problems , it’s usually smooth and informs me of any issues Reviewed on: 18th April 2026
Raquel A's avatar
Raquel A

Latest lowest rating:

1

PayPal push its credit facility without telling you... PayPal push its credit facility without telling you how it adversely affects your credit score even for a nominal amount. I only took it due to the di... Read more Reviewed on: 18th April 2026
Carl O's avatar
Carl O
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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 (76484)

I always trying to use PayPal for payments.

5
I always trying to use PayPal for payments. Excellent customer service Reviewed on: 26th May 2025
Valentyna C's avatar
Valentyna C

100% Excellent and seamless experience with PayPal.

5
100% Excellent and seamless experience with PayPal. Very convenient and couldn’t ask for any improvements! Reviewed on: 26th May 2025
M N's avatar
M N

Excellent Financial Handling & Credit Provider

5
An excellent financial handling service provider and even credit card company as well. Outstanding protection of your general and credit card account details for online purchases and transactions. Also provides a superb PayPal credit card account and facilities with interest free 4-month payment option on purchases that allows customers to budget their larger purchases over four months with no interest added, which is a really fantastic option. The customer service support is also really good and really quickly sort out any issues that needs resolved, like for example fraudulent sales providers on third party online retailers etc. Couldn't recommend PayPal enough, primarily for safeguarding and securing your online banking and credit card details. Reviewed on: 26th May 2025
Buccaneer Boy's avatar
Buccaneer Boy

PayPal offers many ways to pay for goods and service...

5
PayPal offers many ways to pay for goods and services, securely and quickly. Reviewed on: 26th May 2025
Phillip Mark Young's avatar
Phillip Mark Young

I trust PayPal especially with transactions were the...

4
I trust PayPal especially with transactions were there is a risk. I do think the PayPal credit facility needs to be improved as the option is not always readily available even though it is an option Reviewed on: 26th May 2025
Mark's avatar
Mark

Greatness

5
Great! In every way. Helped me make purchased I needed. Reviewed on: 26th May 2025
donkinshaun d's avatar
donkinshaun d

Think the APR could be lower if you go over the 4 mo...

4
Think the APR could be lower if you go over the 4 months payment plan Reviewed on: 26th May 2025
Ellie r's avatar
Ellie r

Easy to pay

5
Easy to pay for goods and to get payed. Reviewed on: 26th May 2025
Paul A's avatar
Paul A

Easy to make and receive payments

4
Easy to make and receive payments Reviewed on: 26th May 2025
Aurangzeb's avatar
Aurangzeb

Breakdown of balances is useful to manage interest.

5
Breakdown of balances is useful to manage interest. Communication via email is efficient to remind me of repayment. Reviewed on: 26th May 2025
Lewis H's avatar
Lewis H

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