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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (169990 reviews)

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4.73

Based on 169,432 reviews, last reviewed 8th Jul 2026

1457% increase in 5 star reviews

in the past 90 days

1495% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great process very transparent, great customer service Great process very transparent, great customer service Reviewed on: 8th July 2026

Latest lowest rating:

1

I don't trust PayPal anymore they closed a dispute w... I don't trust PayPal anymore they closed a dispute with out professionalism and didn't want to know about my evidence which I have been scammed Reviewed on: 8th July 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 (170028)

Permanent 0%interest free period makes buying easier

I love being able to spread larger payments over 4 months interest free. That makes the difference in being able to purchase items and keep the monthly cost low. The fact this is now a card I can use in my e-wallet makes it even more valuable! Reviewed on: 7th June 2026

The best safe way to budget

I find it the perfect safe way for online shopping. By using PayPal credit it makes it easier to budget payments over a longer period of time. This is particularly helpful with larger purchases and at times of the year like Christmas. Reviewed on: 7th June 2026

I’ve quite enjoyed my experience with PayPal over th...

I’ve quite enjoyed my experience with PayPal over the last couple of years and highly recommend it to family and friends Reviewed on: 7th June 2026

Effortless, never any drama.

Effortless, never any drama. Quick to use. My only gripe is how long it takes for payments to my account to clear. Sometimes takes days and then as i get paid weekly, if im low b4 payday, something else that could easily have bounced back with no repercussions takes the money in my current account leaving my paypal payment to get declined and i get a fee!!! Everything i know when paying a bill is instant so it’s annoying that paypal takes so long Reviewed on: 7th June 2026

Excellent service

Always exvellent. Helpful and prompt Reviewed on: 7th June 2026

Quick and easy

I needed to borrow a small amount to purchase something before payday, and this was perfect. Reviewed on: 7th June 2026

It’s great especially for over 100 payments

It’s great especially for over 100 payments Reviewed on: 7th June 2026

I’ve had a positive experience using PayPal Credit.

I’ve had a positive experience using PayPal Credit. The application process was straightforward, payments are easy to manage through the app, and having the flexibility to spread the cost of purchases has been really helpful. The account information is clear and easy to understand, making it simple to keep track of balances and repayments. Reviewed on: 7th June 2026

Pay Pal is great if I need a bit longer to pay.

Pay Pal is great if I need a bit longer to pay. I can pay affordable amounts each month which is very helpful. Reviewed on: 7th June 2026

PayPal a Awesome all round company

Awesome all round company there to support you in your journey to making a successful purchase sale , always there with helpful advice. Reviewed on: 7th June 2026

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