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PayPal: PayPal Credit reviews

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4.90
Based on 87,313 reviews, last reviewed 27th Apr 2026
1684600% increase in 5 star reviews
in the past 90 days
4800% 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

Very easy to track balance and payments Very easy to track balance and payments Reviewed on: 27th April 2026
char g's avatar
char g

Latest lowest rating:

1

PayPal credit helped when time's were hard allowing... PayPal credit helped when time's were hard allowing an extra option to help pay for essentials and able to pay back at a later date Reviewed on: 27th April 2026
Stephanie J's avatar
Stephanie J
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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 (87313)

I've had a great experience using PayPal Credit

5
I've had a great experience using PayPal Credit over the past year. One of the standout features is the promotional 0% interest on purchases over a certain amount if paid within six months. This has been incredibly helpful for managing larger expenses without feeling immediate financial pressure. The integration with my PayPal account makes it seamless to use, and tracking payments and balances through the app is easy and transparent. I also appreciate the ability to split payments into more manageable chunks, which helps with budgeting. One drawback is that the interest rate can be quite high if you don’t pay off the balance within the promotional period. So it’s important to stay on top of due dates to avoid extra charges. Overall, PayPal Credit is a convenient and flexible option for responsible users looking for short-term financing. Reviewed on: 27th May 2025
Mansurbek's avatar
Mansurbek

It’s easy to pay with, and understand

5
It’s easy to pay with, and understand Reviewed on: 27th May 2025
Terri D's avatar
Terri D

Easy to operate and very convenient

5
Easy to operate and very convenient Reviewed on: 27th May 2025
Gary B's avatar
Gary B

Paypal has been a lifesaver

5
I’ve not had an issue where I need to contact PayPal which is why I put neutral, I love being able to pay for things with pay pal, it’s helped me out a lot Reviewed on: 27th May 2025
Gemma H's avatar
Gemma H

Straightforward and easy to use - makes budgeting easy.

5
Straightforward and easy to use - makes budgeting easy. Reviewed on: 27th May 2025
Paul K's avatar
Paul K

I started using PayPal credit during a difficult tim...

5
I started using PayPal credit during a difficult time financially and it's reassuring to know I can utilise it via Curve for emergencies. Reviewed on: 27th May 2025
Linda Irving's avatar
Linda Irving

Good service communication with the customer is ver...

5
Good service communication with the customer is very helpful Reviewed on: 27th May 2025
ADARSH ATMANANDAN SATHMAM's avatar
ADARSH ATMANANDAN SATHMAM

Excellent service to manage your money long term.

5
Excellent service to manage your money long term. Reviewed on: 27th May 2025
David 's avatar
David

Never had a bad experience and a y issues were resol...

5
Never had a bad experience and a y issues were resolved very quickly and painless Reviewed on: 27th May 2025
ColinM's avatar
ColinM

Great for large emergency purchases.

5
I can always rely on PayPal credit when I have an unexpected emergency purchase such as a new fridge or washing machine! I know I can get my product straight away without having to spend a huge amount at one time! I always receive a reminder email before it’s time for my next payment. Reviewed on: 27th May 2025
Liz K's avatar
Liz K

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