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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (99561 reviews)

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4.90

Based on 99,561 reviews, last reviewed 6th May 2026

2249250% increase in 5 star reviews

in the past 90 days

6450% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Extend your credit Allows me to spread payment. Easy to setup and administer. Reviewed on: 6th May 2026

Latest lowest rating:

1

Absolute scam It’s an absolute scam, they are not upfront about how and when interest will accrue especially on zero interest deals for a couple of months. Payments... Read more Reviewed on: 6th May 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 (99561)

Easy to use, clear instructions and fair.

Easy to use, clear instructions and fair. Reviewed on: 6th April 2026

Good financial option

Easy to use and easy to manage I like that it’s always available and I give you the option of splitting payments over four months with no interest charges I also feel PayPal allows me to safely buy something that if there’s anything wrong you can easily get it rectified Reviewed on: 6th April 2026

PayPal is easy to use and safe.

PayPal is easy to use. I have had to use the chargeback service once before due to a seller not supplying a service and PayPal were so helpful and the customer service reps actually answered my bespoke problem it wasn't a generic automated helpdesk. I will always pay with PayPal because of this as it makes me feel secure should the worst happen. Reviewed on: 6th April 2026

Great short term solution

PayPal credit helped me to spread the cost of Christmas after a period of unemployment left me low on funds. Repayment was simple and easy via the app. Reviewed on: 6th April 2026

Seamless, straight forward and affordable.

Seamless, straight forward and affordable. Always offer a great options for way to pay the invoices. With the new point system for your purchases, you got extra add value and power for your money. Reviewed on: 6th April 2026

Been using PayPal for years always recommend I get s...

Been using PayPal for years always recommend I get sad if a site doesn't allow pay with PayPal Reviewed on: 6th April 2026

Good for short term purchases

Good for short-term purchases you know you can clear within 4 months Reviewed on: 6th April 2026

Amazing best experience in using paypal credit

Amazing best experience in using paypal credit Reviewed on: 6th April 2026

I only shop online with PayPal

I have been using PayPal for years now. I now use it for all online transactions as I can always guarantee if it’s a scam or if there is an issue Paypal will be able to help. I am a frequent user of the PayPal credit 0% finance or the pay in 3 feature which just helps dampen the cost. The rollout of the PayPal credit card is also a nice feature in case I need it so I can use it in store Reviewed on: 6th April 2026

I’ve been using PayPal for years and with the introd...

I’ve been using PayPal for years and with the introduction of credit line it’s given me additional flexibility Reviewed on: 6th April 2026

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