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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145409 reviews)

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4.73

Based on 145,393 reviews, last reviewed 26th Jun 2026

4346600% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Paypal is easy to use, the credit facilities are fan... Paypal is easy to use, the credit facilities are fantastic and the Paypal credit card application was a breeze and has very competitive rates. Reviewed on: 26th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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 (145409)

smooth and efficient transactions that are managed s...

smooth and efficient transactions that are managed smoothly and efficiently Reviewed on: 6th May 2026

It’s good very functional with reasonable interest r...

It’s good very functional with reasonable interest rates. Only problem is if you have a 12/24 month payment plan on PayPal Credit you cannot then pay off a “pay in 4” credit unless you wait until the exact day and pay it off all at once. Reviewed on: 6th May 2026

Very good experience and easy to use.

Very good experience and easy to use. Reviewed on: 6th May 2026

Flexible and very helpful service

I’m very satisfied with PayPal Credit. The flexible payment options and 4 months interest-free offer have been a huge help for me financially. Everything is simple, convenient, and easy to manage through the app. It really helps during difficult times and makes larger purchases much less stressful. I would definitely recommend PayPal Credit to others. Reviewed on: 6th May 2026

Happiest customer!!!

I have been using PayPal for a while now and my experience has been nothing short of amazing Reviewed on: 6th May 2026

I’ve been using PayPal for many years, It's Incredible

I’ve been using PayPal for many years and use it all the time because it’s reliable, secure, and easy to use. PayPal Credit has been really helpful for bigger purchases, as it lets me spread the cost over time and makes payments more manageable. I also like being able to track my spending easily through the app and getting quick notifications whenever I make a payment or purchase. The checkout process is fast and simple, and I feel safer knowing PayPal adds an extra layer of protection when shopping online. It’s a service I trust and use regularly!! Reviewed on: 6th May 2026

I used PayPal credit to buy a new mobile phone.

I used PayPal credit to buy a new mobile phone. The process was really straightforward, linking easily with my bank account. And the notifications from PayPal are great, helping me keep track of what I still owe. Reviewed on: 6th May 2026

Fast, efficient and reliable service every time.

I have been using Paypal for many years for both instant payments and interest free over longer periods.. If there has ever been a problem with a transaction or I've needed a refund for a purchase Paypal have always handled it quickly and efficiently. This level of top service gives me total failth re using their services. Reviewed on: 6th May 2026

I use paypal, lots of options makes life easy.

I regularly use paypal, lots of options, single purchase, pay in 3, paypal credit, also new card option, easy to use once you comit to buy something, no fuzz, helpfull staff for advice, always consistant, reliable, many years using this payment provider when purchasing items, cant really fault, excellent! Reviewed on: 6th May 2026

Great flexibility and easy to navigate

Great flexibility and easy to navigate Reviewed on: 6th May 2026

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