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PayPal: PayPal Credit reviews

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4.90
Based on 83,583 reviews, last reviewed 24th Apr 2026
3023800% increase in 5 star reviews
in the past 90 days
4400% 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

Fantastic You know exactly where you are easy to keep track Reviewed on: 24th April 2026
Donna S's avatar
Donna S

Latest lowest rating:

1

PayPal are very trust worthy and reliable service. PayPal are very trust worthy and reliable service. You can always depend on them. Reviewed on: 24th April 2026
Robert Reilly 's avatar
Robert Reilly
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 (83583)

PayPal credit is my number one way to pay at checkout.

5
PayPal credit is my number one way to pay at checkout. It's easy to use , helps me split my purchases into affordable chunks. It's also easy to see how much you owe and your payment schedules. Reviewed on: 26th May 2025
Lydia Gough's avatar
Lydia Gough

Bad credit comes good

5
I had bad credit so credit cards where a no and PayPal has helped me get things iv needed it’s helped me budget for the last 5 yrs Reviewed on: 26th May 2025
cheryl g's avatar
cheryl g

Used a few times.

5
Used a few times. Like getting reminders that a payment is due and it’s easy enough to pay. Reviewed on: 26th May 2025
G M's avatar
G M

Easy, efficient, 5 stars.

5
Easy, efficient, 5 stars. Recommended to everyone. Reviewed on: 26th May 2025
Ross W's avatar
Ross W

Always a reliable way to spend safely online.

5
Always a reliable way to spend safely online. PayPal credit is also useful to have. I'd definitely recommend Reviewed on: 26th May 2025
Kate's avatar
Kate

Been awesome helpful and friendly

5
Been awesome helpful and friendly Reviewed on: 26th May 2025
Steven C's avatar
Steven C

I like pay pal credit I always use it whenever possi...

5
I like pay pal credit I always use it whenever possible. Reviewed on: 26th May 2025
Viaceslav Dubov's avatar
Viaceslav Dubov

I joined PayPal over 12 years ago and the last 3 or...

3
I joined PayPal over 12 years ago and the last 3 or 4 years I was given the PayPal credit which is helpful Reviewed on: 26th May 2025
Jennifer I's avatar
Jennifer I

A physical card is needed to have the most from this...

4
A physical card is needed to have the most from this service. I think it is great that we have the chance to decide how we can split the payment and it is quite flexible. Reviewed on: 26th May 2025
Luca S's avatar
Luca S

I’ve had a truly exceptional experience using both P...

5
I’ve had a truly exceptional experience using both PayPal Pay in 3 and PayPal Credit, and they’ve quickly become my go-to solutions for managing purchases with ease and confidence. Pay in 3 has been a game-changer for budgeting. The ability to split payments into three manageable instalments without interest is incredibly helpful, especially for larger purchases. It’s seamless, transparent, and clearly communicated at checkout—no hidden fees or surprises. I love how I can make smarter spending decisions while staying in control of my finances. PayPal Credit is equally impressive. The promotional offers, like 0% interest on purchases over a certain amount, provide real value and flexibility. The integration within the PayPal ecosystem makes it super convenient—there’s no need to juggle different apps or platforms. The dashboard is intuitive, payments are easy to manage, and customer support has always been responsive and helpful when needed. Above all, what sets PayPal apart is trust. I feel secure knowing my purchases are protected, and I appreciate the clarity and reliability they bring to online payments and credit. In a world where financial services can often feel cold or complicated, PayPal has made credit simple, accessible, and genuinely customer-focused. I absolutely recommend PayPal’s credit solutions to anyone looking for convenience, flexibility, and peace of mind. They deserve to be recognised as a leader in consumer credit. Reviewed on: 26th May 2025
KA's avatar
KA

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