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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 83,002 reviews, last reviewed 23rd Apr 2026
2969900% increase in 5 star reviews
in the past 90 days
4250% 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

Great to use credit when you need it. Great to use credit when you need it. Reviewed on: 23rd April 2026
Gary Carden's avatar
Gary Carden

Latest lowest rating:

2

PayPal pay poor The interest fees are ridiculously high, also when I overpaid there was no way of retracting payment. Customer service is also poor I feel like my que... Read more Reviewed on: 23rd April 2026
Brea's avatar
Brea
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (83002)

Easy to do

4
PayPal credit was easy to apply for and is easy to manage Reviewed on: 26th May 2025
Daniel Barber's avatar
Daniel Barber

Very user friendly.

5
Very user friendly. Makes everything clear and easy to manage Reviewed on: 26th May 2025
JC's avatar
JC

I got PayPal Credit a few years ago and it has helpe...

5
I got PayPal Credit a few years ago and it has helped me so much with purchasing bigger buys that I can pay off. Paypal also provides interest free purchases. Many of my purchases I made throughout the years get's an interest free period which is amazing and saves so much on interest. I also have used it in the past in case of emergencies. Reviewed on: 26th May 2025
Tamara N's avatar
Tamara N

Used PayPal and PayPal credit for years.

5
Used PayPal and PayPal credit for years. Never had a problem. Helped get money back from a non-providing seller on eBay. Feel safe using PayPal. Reviewed on: 26th May 2025
Alibobs's avatar
Alibobs

Get options to buy now pay later.

5
Get options to buy now pay later. Customer service very good, if I've ever had a problem it's been resolved quickly . Reviewed on: 26th May 2025
Tracy 's avatar
Tracy

I always had a good experience with PayPal

5
I always had a good experience with PayPal Reviewed on: 26th May 2025
Raluca E's avatar
Raluca E

Paypal credit is very manageable and customer friendly

5
PayPal offer a great credit service that is very easy to navigate and understand. The option to pay the credit back interest free over 4 months is fantastic and allows you to not feel like you are pushed to pay it back. Reviewed on: 26th May 2025
Nathan L's avatar
Nathan L

In situations where you can’t find right solutions a...

5
In situations where you can’t find right solutions at the time there is PayPal flashing light in the dark tunnel Reviewed on: 26th May 2025
Ewa C's avatar
Ewa C

Excellent service, fast payments, I really like PayP...

5
Excellent service, fast payments, I really like PayPal, I really recommend Reviewed on: 26th May 2025
Lukasz F's avatar
Lukasz F

I’ve been using PayPal credit for almost 10 years at...

5
I’ve been using PayPal credit for almost 10 years at this point, it’s always been simple to use and fair with the 0% interest time before APR kicks in. I originally used it to finance a new phone but as time as gone on it’s become a very simple and straightforward credit card alternative. If I’m buying anything online I prefer to use PayPal so the added flexibility of PayPal Credit can make life easier when it comes to larger purchases Reviewed on: 26th May 2025
James's avatar
James

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