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PayPal: PayPal Credit reviews

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4.90
Based on 76,927 reviews, last reviewed 19th Apr 2026
2408100% increase in 5 star reviews
in the past 90 days
6900% 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

Everything you need with the touch of a button Everything you need with the touch of a button the PayPal credit is much easier to have and control making the repayments much easier Reviewed on: 19th April 2026
Benny 's avatar
Benny

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th April 2026
Greg W's avatar
Greg W
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (76927)

Always had a great experience with paypal, even when...

5
Always had a great experience with paypal, even when things have gone wrong paypal have fixed it. Reviewed on: 26th May 2025
stuart wright's avatar
stuart wright

PayPal is a great credit to have you can pay over ti...

5
PayPal is a great credit to have you can pay over time I love it Reviewed on: 26th May 2025
Mary m's avatar
Mary m

Been using PayPal for several years and always found...

5
Been using PayPal for several years and always found myself great. Best app for all safe purchases and easiest use. Just amazing ! Reviewed on: 26th May 2025
Stefan G's avatar
Stefan G

Very easy to get credit and pay for items over...

5
Very easy to get credit and pay for items over time Reviewed on: 26th May 2025
Clairey Archer's avatar
Clairey Archer

PayPal Credit Pros and Cons

5
Easy to set up and use PayPal credit. It can be a little difficult to understand payment allocation across multiple offers at times but overall I would recommend it above credit cards mainly due to its extended interest free periods that can aid short cash flow issues. Reviewed on: 26th May 2025
Davenor's avatar
Davenor

Convenient and cost-effective budgeting.

5
PayPal credit provides an excellent way of buying more expensive things straight from your account without reams of additional form filling. And with 4 months interest free on many transactions it's a great way to budget too. Reviewed on: 26th May 2025
Joe F's avatar
Joe F

Easy to get credit, responsible limit, good comms.

5
Easy to get credit, responsible limit, good comms. Reviewed on: 26th May 2025
Emma C's avatar
Emma C

Convenient and Easy

5
Convenient and easy payment system Reviewed on: 26th May 2025
Remzi's avatar
Remzi

I find PayPal so helpful.

5
I find PayPal so helpful. Really convenient way to send and receive money and securely as well. I’ve also bought stuff using PayPal and I love the pay in 3 feature it allows me to buy stuff that I wouldn’t normally be able to afford but split the cost (including flights for holidays :-)) Reviewed on: 26th May 2025
Patrick 's avatar
Patrick

PayPal Was the Best Lending Option for Me

5
I used PayPal’s lending services, and honestly, it was one of the smoothest experiences I’ve had with any financial platform. The application process was fast and straightforward—no piles of paperwork or long waiting times. I got approved within minutes. There were no hidden fees, and everything was explained clearly up front. Plus, they didn’t even run a traditional credit check, which made things easier since it was based on my PayPal account history. Overall, it felt secure, convenient, and totally stress-free. I’d definitely recommend PayPal for anyone looking for a flexible and reliable lending option. Reviewed on: 26th May 2025
Beata K's avatar
Beata K

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