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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 105,505 reviews, last reviewed 13th May 2026
2522350% increase in 5 star reviews
in the past 90 days
7400% 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

Pay in 3 The pay in 3 installments is handy Reviewed on: 13th May 2026
Chrisanthi christou 's avatar
Chrisanthi christou

Latest lowest rating:

1

Not good at all, Paypal is highly Not recommended I've been a loyal customer with this company for more than 10 years and I noticed a critical decline in the quality of customer service, who are mostl... Read more Reviewed on: 12th May 2026
Eli 's avatar
Eli
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 (105505)

The APR is competitive

5
The APR is competitive, (yes it could always be lower with ANY lender) but I am often surprised by new offers that counterbalance the “hit” such as 0% for 4 months or Pay in 3 that other lenders either don’t offer or hide, this often gives me the freedom of “do I buy now or wait” Reviewed on: 13th April 2026
Lee H's avatar
Lee H

I use PayPal for years now, is great

5
I use PayPal for years now, is great Reviewed on: 13th April 2026
Nicolae E's avatar
Nicolae E

Pay pal the best 4 months interest free on purchases...

5
Pay pal the best 4 months interest free on purchases what more could you ask for been with pay pal a long time never let you down any problems they sort asap well done pay pal keep it up Reviewed on: 13th April 2026
stephen hollingsworth's avatar
stephen hollingsworth

They provide good customer service and nice offers t...

5
They provide good customer service and nice offers to show I been a long customer for PayPal Reviewed on: 13th April 2026
Cosmin B's avatar
Cosmin B

Easy to use app, quick transfers and money feels sec...

5
Easy to use app, quick transfers and money feels secure. Reviewed on: 13th April 2026
Hannah's avatar
Hannah

Very easy.

4
Very easy. Help full, very good service Reviewed on: 13th April 2026
Shakil L's avatar
Shakil L

Excellent all round easy to use no hassle

5
Excellent all round easy to use no hassle Reviewed on: 13th April 2026
Colin S's avatar
Colin S

I find it very useful to have and I do like the 0% i...

5
I find it very useful to have and I do like the 0% interest for 4 months on purchases over £100 Reviewed on: 13th April 2026
Jo's avatar
Jo

Never had an issue with PayPal, quick responses

5
Never had an issue with PayPal, they are quick to resolve issues for consumers, customer service both on the phone and via the web is great, both as a seller and as a consumer for selling and buying, invoices are quick and easy, fast links make one off payments a breeze, their credit is quite reasonable compared to competitors Reviewed on: 13th April 2026
James Mulvaney's avatar
James Mulvaney

I use Paypal regularly and always have an easy trans...

5
I use Paypal regularly and always have an easy transaction. Reviewed on: 13th April 2026
Credit Card User's avatar
Credit Card User

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