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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (57761 reviews)

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4.91

Based on 57,761 reviews, last reviewed 8th Apr 2026

642600% increase in 5 star reviews

in the past 90 days

2000% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Provide best support during in time of need Provide best support during in time of need Reviewed on: 8th April 2026

Latest lowest rating:

1

Regular credit checks nonexistent PayPal states they do regular checks to increase credit limit. I think the AI software is not working properly. All the other credit companies increas... Read more Reviewed on: 8th April 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.

PayPal PayPal Credit reviews (57761)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Can't fault it easy to use and very handy

Can't fault it easy to use and very handy Reviewed on: 6th April 2026

I pay for everything online through PayPal I trust i...

I pay for everything online through PayPal I trust it more than my Bank as I find it easier to use and if ever there's a problem it's so easy to sort out which is much harder to do these days with all bank branches closing down PayPal app is very easy to use I'm 62 years of age and I find it easy Reviewed on: 6th April 2026

Very informative

Great, very informative. Offers various credit options: 4 months at 0%, pay in 3 with no interests...or paypal credit with interests. Reviewed on: 6th April 2026

Keep getting charged for late payments due to PayPal...

Keep getting charged for late payments due to PayPal cancellation of direct debit unable to reinstate due to PayPal stating already instated however no direct debit Reviewed on: 6th April 2026

Helpful and handy!!

Easy to use, helpful reminders when payment is due and the credit is available to use for several different purchases across many platforms and retailers. Reviewed on: 6th April 2026

I have been using PayPal for over 20 years

I have been using PayPal for over 20 years and find the product easy to use offering 4 months interest free on payments on goods purchased and also having a PayPal credit card which is very handy. As a customer I would recommend PayPal great product and service Reviewed on: 6th April 2026

I’ve had a really positive experience using PayPal C...

I’ve had a really positive experience using PayPal Credit. It’s been a convenient and flexible way to manage purchases, especially for larger expenses that I prefer to spread out over time. The application process was straightforward, and once approved, it integrated seamlessly with my existing PayPal account. One of the standout features for me is the promotional financing options, which often allow you to pay over time without interest if you meet the terms. It’s helped me stay on top of my budget while still being able to make necessary purchases when I need them. I also appreciate how easy it is to track my balance and payments directly through PayPal. The interface is clear and user-friendly, making it simple to stay organized and avoid missing due dates. Overall, PayPal Credit has been a reliable and helpful financial tool for me. I’d definitely recommend it to anyone looking for a convenient way to manage spending with added flexibility. Reviewed on: 6th April 2026

Since joining PayPal I’ve had nothing but positive t...

Since joining PayPal I’ve had nothing but positive things from them weather it’s help with transaction or buying on line everything is straightforward & easy to do.The pay in there’s so easy to do & helps to pay for larger items Reviewed on: 6th April 2026

Overall fantastic.

Overall fantastic. Had an issue with a few companies so I raised a dispute. From start to finish, PayPal got straight to work and did everything for me. So quick and easy and handled everything on my behalf. Absolutely brilliant. Less than a day and problem solved. PayPal Credit is a fantastic way to bring up your credit score too. Will even send a physical card now so it's even easier to use. The pay in 3 is also brilliant if you are struggling before payday or just to make life a little easier. Can't recommend PayPal Credit enough. Just fab! Reviewed on: 6th April 2026

Good but you need to keep on top of it.

Always know the terms before you start the loan. Reminders that a payment is due shortly very useful. I have had a issue where my credit score now shows a missed payment which I could not recall even having done so and I have never been charged a late payment fee but got nowhere with Paypals customer services do eventually gave pursuing it. Not happy that it seems to sit on my credit score for 4 years though ! Reviewed on: 6th April 2026

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