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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146214 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th June 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 (146214)

Very good App and platform.

Very good App and platform. I love the way thr interest rates are low to zero, and that there's the option to pay over time/months too Reviewed on: 6th May 2026

I trust PayPal completely and the sort out problems...

I trust PayPal completely and the sort out problems quickly Reviewed on: 6th May 2026

I have always found Paypal to be clear & transparent...

I have always found Paypal to be clear & transparent regarding credit terms & conditions. I have often made use of the credit facility for short term ( ie less than 3 months ) for spreading the cost obviously. Very handy for impulse or unexpected purchases. Monthly payment if doing so manually is easy to calculate an adequate amount with clear details on how long you have for interest free remaining on credit balance. Reviewed on: 6th May 2026

I use pay pal regularly, it’s always straight forwar...

I use pay pal regularly, it’s always straight forward to navigate and great having it available to give me more buying power. Reviewed on: 6th May 2026

Customer service are helpful.

Customer service are helpful. Paying online is easy and accessing balance etc is easy to use. Reviewed on: 6th May 2026

No problems at all

No problem at all even when my bank decided to refuse payment. Customer services were excellent Reviewed on: 6th May 2026

PayPal has been an absolute game-changer for me.

PayPal has been an absolute game-changer for me. I genuinely can’t imagine managing my day-to-day payments without it anymore. The flexibility it offers—especially the option to spread payments over four months with no fees—is incredibly helpful and takes so much pressure off larger purchases. Everything feels simple, secure, and convenient. It’s easily one of the most useful financial tools I use, and I’d highly recommend it to anyone looking for more control and flexibility with their spending. Reviewed on: 6th May 2026

My experience with PayPal Credit has been excellent.

My experience with PayPal Credit has been excellent. The service provides clear terms, smooth transactions, and an intuitive platform for managing payments. I especially value the flexibility it offers for larger purchases. It’s a dependable credit solution that integrates seamlessly with my PayPal account. Reviewed on: 6th May 2026

Best experience

Great user experience and offers great deal for online shopping Reviewed on: 6th May 2026

Amazing service!

I love how easy and accessible PayPal credit is. Can make payments with multiple companies and can have low interest rates for over a long duration. Would recommend to everyone! Reviewed on: 6th May 2026

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