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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180995 reviews)

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4.73

Based on 180,993 reviews, last reviewed 21st Jul 2026

213% increase in 5 star reviews

in the past 90 days

268% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Extremely satisfied! I find the pay in 4 really useful and when needed the staff has been extremely helpful Reviewed on: 21st July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th July 2026

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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 (180995)

Really easy to use and links to many websites

Really easy to use and links to many websites Reviewed on: 17th June 2026

Very easy to sign up and get the credit needed at a...

Very easy to sign up and get the credit needed at a good interest rate Reviewed on: 17th June 2026

Always helpful if there is an issue.

Always helpful if there is an issue. App for easy to use Reviewed on: 17th June 2026

Easy to use

I love the range of options available with PayPal. The flexibility of paying in 3 interest-free instalments, paying in full, or using PayPal Credit makes managing purchases so much easier. Repayments are straightforward, and sending payments is quick and hassle-free. Overall, it's a convenient and user-friendly service that offers plenty of choice depending on your needs Reviewed on: 17th June 2026

Don't have much to say in general.

Don't have much to say in general. Just I know when I see your logo mean security payment process and fairness if something goes wrong Reviewed on: 17th June 2026

Found pay pal to be excellentqnd i use it all the time.

Found pay pal to be excellentqnd i use it all the time. Reviewed on: 17th June 2026

Very convenient and easy to safely pay online with h...

Very convenient and easy to safely pay online with having to make accounts on sites Reviewed on: 17th June 2026

Never had any issues, easy transactions and straight...

Never had any issues, easy transactions and straight forward Reviewed on: 17th June 2026

10 years of great service

I started using PayPal credit about 10 years ago to build my credit score. I've used pay in 3 regularly, credit regularly and now have a PayPal card. It's the only credit I use regularly as it can be used in most places. It'd be great if they offered a pay in 12 for bigger purchases but tbh I am glad they don't offer this as Itd encourage to spend when I don't quite have the money. App is easy to use and direct debit ensures that I don't miss a payment. Reviewed on: 17th June 2026

Accessible on many online sites

I haven't had the need to use customer services, so unsure on level of support. All other services are easy to use and very accessible Reviewed on: 17th June 2026

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