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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 76,009 reviews, last reviewed 18th Apr 2026
2322700% increase in 5 star reviews
in the past 90 days
6700% 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 experience PayPal has been great, everything in app is so easy to understand and highly protected. Love Reviewed on: 18th April 2026
Clare's avatar
Clare

Latest lowest rating:

1

When we are pay back money for credit card statement... When we are pay back money for credit card statements balance initially it takes time and second customers are having hard to get how much they deposi... Read more Reviewed on: 18th April 2026
Muhammad Nabeel's avatar
Muhammad Nabeel
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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 (76009)

excellent lender

5
a trusted lender offering 0% interest Reviewed on: 26th May 2025
Stella W's avatar
Stella W

Easy to access help.

5
Easy to access help. Good interface. A virtual card would be handy for credit. Reviewed on: 26th May 2025
Rhys C's avatar
Rhys C

Easy to use, eBay standard.

5
Easy to use, eBay standard. Credit interest is lower than a lot of other credit companies, and pay in three is great. Super simple to use to send and receive money. Reviewed on: 26th May 2025
Nick 's avatar
Nick

I have been using Paypal for a very long time.

5
I have been using Paypal for a very long time. Very good and eficient Reviewed on: 26th May 2025
Marian C's avatar
Marian C

Always used PayPal good reliable company

5
Always used PayPal good reliable company Reviewed on: 26th May 2025
Jeffrey baddeley's avatar
Jeffrey baddeley

Great service and simple to use online/app.

5
Great service and simple to use online/app. Customer service has not let me down. Reviewed on: 26th May 2025
Adam H's avatar
Adam H

PayPal Credit , the Best Consumer Credit Platform

5
I recommend PayPal Credit for the Best Consumer Credit Award due to its seamless integration with online shopping platforms and flexible payment options. The ability to pay over time with promotional interest-free periods, such as six months on qualifying purchases, provides convenience for managing larger expenses. PayPal Credit’s widespread acceptance across thousands of online retailers, combined with its Buyer Protection on eligible purchases, enhances the shopping experience by offering security and ease. The application process is quick, often providing instant approval, and the digital credit line eliminates the need for a physical card, making it user-friendly. While responsible use is key to avoiding high interest rates, PayPal Credit’s features make it a strong contender for delivering value and convenience to consumers. Reviewed on: 26th May 2025
Gilson J's avatar
Gilson J

Easy to understand credit

5
Have used PayPal credit several times and find it simple to understand the rates, the agreement I am entering and what options I have. I’ve used the pay in 3 and 0% over 4 months several times, which are great offers to be able to undertake. Reviewed on: 26th May 2025
Dave H's avatar
Dave H

Been using Paypal Credit for several years.

5
Been using Paypal Credit for several years. Love the ease of use and the app is great. Had an issue once with a payment and contacted customer service and the issue was resolved swiftly! Reviewed on: 26th May 2025
Alexander D's avatar
Alexander D

Better with credit

5
Easy to apply safe and secure , you have the chance to pay over time Reviewed on: 26th May 2025
Florin T's avatar
Florin T

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