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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174179 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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.

PayPal PayPal Credit reviews (174192)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Always easy to use, never had an issue

Always easy to use, never had an issue Reviewed on: 8th July 2026

Incredibly convenient and easy to use

I chose PayPal Credit primarily for the convenience, and it has not disappointed. The application process was instant at checkout, with no tedious forms to fill out. It integrates seamlessly directly into my existing PayPal wallet, making online shopping incredibly fast. I love that I can complete a purchase in just a couple of clicks without needing to dig out my physical bank cards. It simplifies online shopping entirely. Reviewed on: 8th July 2026

Easy app to use, easy too get hold of if there’s a p...

Easy app to use, easy too get hold of if there’s a problem and great customer service. Reviewed on: 8th July 2026

Years of security, trust...

Years of security, trust and ease of money out of currency complexes and divided payments in parts and trackings are bonus points! Reviewed on: 8th July 2026

Great method of credit facilities

I found the application simple and managing my account on line is a really great way of staying on top of things Reviewed on: 8th July 2026

So helpful

I get interest free payments on items for a couple to 4 months which is very helpful. I can set up direct debits and reminders Reviewed on: 8th July 2026

A good way to stagger your purchase payments

In general Paypal offers a good way to stagger your purchases with pay in 3 for example and 0% for 4 months. When I have had a problem I have always got through to customer service, who have been helpful, though the wait time can be a little long. Reviewed on: 8th July 2026

It’s easy peasy with PayPal!!!!

Apart from saying that I missed a payment last July 25 when I changed my DD (and it wasn’t then claimed until August so it affected my credit reports which meant I had to challenge back) other than that they have been really easy to use and the ease of shopping makes it enjoyable! Reviewed on: 8th July 2026

Excellent customer service.

Everytime I've had to phone customer.services they always give a positive outcome to my query.keep up the good work.and also I always yous papal do purchases Reviewed on: 8th July 2026

PayPal Credit has been a great payment option for me.

PayPal Credit has been a great payment option for me. It's easy to use, the application process was straightforward, and the flexible payment options have been really helpful. I appreciate how convenient it is for managing larger purchases. Overall, a reliable and user-friendly service. Reviewed on: 8th July 2026

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