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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181153)

I like the pay in 3 interest free option.

I like the pay in 3 interest free option. I use this a lot. otherwise i wouldn't be able to buy a lot of high ticket items. Reviewed on: 9th June 2026

I’ve used PayPal for years and never had any problem...

I’ve used PayPal for years and never had any problems with them always there when I need them Reviewed on: 9th June 2026

Paypal credit is really helpful if you need item you...

Paypal credit is really helpful if you need item you can use it in retail shop aswell so it realy helpful Reviewed on: 9th June 2026

Ease of use re the paypal app.

Ease of use re the paypal app. When purchasing on line the app is easy to access, security appears to be good. Enjoy options for purchasing goods. e.g. choice of pay in 3. Pay from linked ban account and use of PayPal credit if required. Reviewed on: 9th June 2026

PayPal credit offers me great flexibility!

PayPal credit has always been a good option for me to spread the cost without adding on lots of expensive interest. I use Pay in 4 regularly for larger purchases. It's simple to use and easy to manage and there are no penalties for early repayment. Works great for me! Reviewed on: 9th June 2026

Easy to apply, multiple websites accepting paypal as...

Easy to apply, multiple websites accepting paypal as payment as well as in store physical paypal credit card excellent Reviewed on: 9th June 2026

Great options to pay, clear communication, flexible...

Great options to pay, clear communication, flexible non predatory, and accessible now with the paypal credit card. Good stuff they could allow you to pay off certain stuff though the in the statements its all clumped together at times. Reviewed on: 9th June 2026

Decent Service, Convenient

I've been using their credit for a few months now and it is really convenient. I don't need a physical card and when I had issues I contacted the customer care and it was resolved. Reviewed on: 9th June 2026

Smooth and available on the majority of websites.

Smooth and available on the majority of websites. Never had an issue with the service Reviewed on: 9th June 2026

Never had any issue with PayPal it’s easy to use I c...

Never had any issue with PayPal it’s easy to use I can split payments in tgeee or pay over a certain term. Reviewed on: 9th June 2026

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