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PayPal: PayPal Credit reviews

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4.90
Based on 77,098 reviews, last reviewed 19th Apr 2026
2424200% increase in 5 star reviews
in the past 90 days
6900% 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

I've been using PayPal for a decade and I don't have... I've been using PayPal for a decade and I don't have any issues, it works very well and thank you PayPal credit. Reviewed on: 19th April 2026
Dee's avatar
Dee

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th April 2026
Greg W's avatar
Greg W
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.

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PayPal PayPal Credit reviews (77098)

Flexible & Easy

5
PayPal credit is really easy to use, everything is explained in simple terms and flexibility with how you manage your repayments with no penalties if you over pay which is much better than most standard loans. PayPal credit really helped me when I moved into my new house and struggled to buy things. Wouldn’t hesitate to recommend or use again. Reviewed on: 15th June 2024
Melanie S's avatar
Melanie S

Peace of mind

5
I can purchase large items and pay them off interest free with PayPal Credit which gives me peace of mind when I need to replace something urgently. Reviewed on: 15th June 2024
Vanessa S's avatar
Vanessa S

Feel safer using PayPal for buying things

5
Feel safer using PayPal for buying things Reviewed on: 15th June 2024
Trevor B's avatar
Trevor B

Very easy to apply and no messing about, quick and...

5
Very easy to apply and no messing about, quick and easy Reviewed on: 15th June 2024
Johnluke's avatar
Johnluke

It has been very useful for budgeting large purchase...

5
It has been very useful for budgeting large purchases and spreading the payments Reviewed on: 15th June 2024
Gary D's avatar
Gary D

Quick and easy.

5
Quick and easy. Paid air line tickets Reviewed on: 15th June 2024
Michael Evans 's avatar
Michael Evans

PayPal is so easy to use plus you get full protectio...

5
PayPal is so easy to use plus you get full protection on all transactions. Reviewed on: 15th June 2024
Patrick mckevitt 's avatar
Patrick mckevitt

Robotic and machine, no human here

3
Robotic and I don’t like it all the work customer have to do to resolve their problem issue so better not to communicate. Reviewed on: 15th June 2024
A K's avatar
A K

Easy, user friendly and hassle-free

5
Easy, user friendly and hassle-free Reviewed on: 15th June 2024
Ari S's avatar
Ari S

I have been using PayPal for years.

4
I have been using PayPal for years. My experience with them has always mainly been good. I didn't give full stars due to how long payments take to process sometimes it has caused issues for me in the past but overall it is a great service and has served me well Reviewed on: 15th June 2024
KayB's avatar
KayB

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