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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175822 reviews)

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4.73

Based on 174,829 reviews, last reviewed 10th Jul 2026

1347% increase in 5 star reviews

in the past 90 days

1212% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Ease of use All seemed to go through easily without too much hassle. Reviewed on: 10th July 2026

Latest lowest rating:

2

I working with paypal between 5 or 6 years , when is... I working with paypal between 5 or 6 years , when is something wrong paypal don't help me , why i used , have another credit company the process is mo... Read more Reviewed on: 10th 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 (175854)

I use paypal credit multiple times a month and it he...

I use paypal credit multiple times a month and it helps me purchase things without the initial big hit on payments. you have to be aware of the payment calcs. Any payments go to those with highest interest. This can cause problems where you have payments for very large purchases over a year or more having interest. These get paid first so any payment plans with zero interest over 4 months get dragged into paying interest Reviewed on: 11th June 2026

Easy to use.

Find it very easy to use and good customer service. Good communication. PayPal is a name you can trust. Reviewed on: 11th June 2026

Gives plenty of different credit options to chose from!

Gives plenty of different credit options to chose from! Reviewed on: 11th June 2026

Easy & accepted most places

It’s really easy to use & almost all shops accept it. Even use it for a subscription service, super straightforward. I have even been able to put the payment card on my Apple wallet so can use in real shops too Reviewed on: 11th June 2026

It is so easy to use.

It is so easy to use. If there are any issues they are resolved quickly and efficiently. Its secure so i feel confident using it. It makes paying for items easy as you can spread the cost. Its convenient and manageable. Reviewed on: 11th June 2026

It changed my life

It changed my life, it is very useful Reviewed on: 11th June 2026

Its excellent protection pay in 3 love it

Its excellent protection pay in 3 love it Reviewed on: 11th June 2026

Longterm Paypal user (since the og ebay days)

I’ve had PayPal for about 26 years, from the eBay days, I’ve always felt safe when shopping with PayPal. Then they levelled up offering PayPal credit. If ever I have the option to use interest free for 4 months I will always choose that. it helps me manage my money better and gives me the opportunity to purchase things without having to worry. I also think the take 3 is brilliant. I would prefer all retailers to offer a PayPal option as it’s my most trusted credit provider Reviewed on: 11th June 2026

Customer service is excellent

Customer service is excellent when you have to speak to any of the representatives but when it comes to payment been updated in the system it takes several days for it to reflect in the account- confusion as I don’t know if I’ve not gone past the due date Reviewed on: 11th June 2026

So easy to use and then manage all your transactions...

So easy to use and then manage all your transactions in one place Reviewed on: 11th June 2026

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