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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176838 reviews)

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4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th 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 (176853)

Worth it 100%.

Worth it 100%.I recommend it to everyone, 0% interest for 4 months. No one gives such a loan anywhere. So once again, it's 100% worth it! Reviewed on: 11th June 2026

Excellent Agent

The agent was very professional and solved my problem very quickly Reviewed on: 11th June 2026

Use it quite frequently, no complaints so far apart...

Use it quite frequently, no complaints so far apart from when my credit was lowered randomly and it hasn’t been put back up again Reviewed on: 11th June 2026

appreciate wit expanding our spending when...

I really appreciate wit expanding our spending when normal banks cannot help Reviewed on: 11th June 2026

I always use PayPal when making payments online.

I always use PayPal when making payments online. I feel much more confident and comfortable knowing that they provide me with an extra level of safety. I find it very useful when using their three, or even four months interest free service when buying more expensive items. I have never had any problems when using PayPal, they have always done what they have promised to do. Their online information is clear and communication excellent :) Reviewed on: 11th June 2026

Makes spreading payments to afford expensive items s...

Makes spreading payments to afford expensive items so easy. all interest is explained before you buy so I know exactly what I will pay in total. I have the interest free option to pay in 3 or to pay in 4 which is very useful for smaller items to pay them off quickly. Also a bonus of all of this is that it helps me to build my credit score. when I had a problem I phoned PayPal and they were absolutely amazing and took time to explain properly so there were no misunderstandings. PayPal and PayPal credit is probably the single best thing I have ever used to pay for anything. I’ve even ordered from America and if Paying with PayPal I don’t even have to enter my address. Everything is so easy. Very very happy customer Reviewed on: 11th June 2026

Excellent and Convenient Service

I have found PayPal Credit to be extremely easy and convenient to use. The application process was straightforward, and once approved, accessing and managing my credit account through the PayPal platform has been simple and user-friendly. The flexibility to spread the cost of purchases has been particularly helpful, especially for larger transactions. Payments are easy to track, and the online account management tools provide clear information on balances, payment due dates, and transaction history. Overall, PayPal Credit offers a smooth, reliable, and convenient way to manage purchases and cash flow. I have been very satisfied with the service and would recommend it to anyone looking for a flexible and easy-to-use credit facility Reviewed on: 11th June 2026

Easy to use and customer service on the phone was re...

Easy to use and customer service on the phone was really helpful and quick although one thing to improve on is the automatic security declining with PayPal credit card Reviewed on: 11th June 2026

Simple and easy to use, pay in ant optio...

Simple and easy to use, pay in 3 a brilliant option, much more sensible credit limits to prevent overspend and reduce likelihood of unmanageable debt. Easy to set prepayment options and easy to pay back early on bothbpay in 3 and on PayPal credit, gave always found it a secure and convenient way to pay Reviewed on: 11th June 2026

So easy to use.

So easy to use. Apparently my review is to short, so I added this waffle. Reviewed on: 11th June 2026

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