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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181029 reviews)

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4.73

Based on 181,028 reviews, last reviewed 23rd Jul 2026

182% increase in 5 star reviews

in the past 90 days

231% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I had a problem obce with my account when someone el... I had a problem obce with my account when someone elses room over my account but i contacted agent from PayPal and everything was solved smoothly. Nor... Read more Reviewed on: 23rd July 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 (181029)

I use as easy no fuss clear account site and easy r...

I use as easy no fuss clear account site and easy repayment system with timely reminders Reviewed on: 9th June 2026

interest free 3 monthly payments

Use the interest free 3 monthly payments often. Helps spread the cost Reviewed on: 9th June 2026

great service and I always recommend you

always in first place and never disappointed Reviewed on: 9th June 2026

Totally recommend

Easy credit, I can always find any details I need in the app, so far it helped me out a lot Reviewed on: 9th June 2026

Most convenient option but there is a catch.

Paypal, places all your purchases, that have their interest charged on different terms, such as one purchase might be 0% for 4months, another 0% interest purchase might span over 12-month period instead etc; all those are all placed under a single balance in PayPal credit account. In practice with how they handle it, it means the funds are allocated in a not most efficient way for you. If you mix different purchases with different payment periods, you end up in the situation, where you are underpaying for some purchases and over paying others. You will soon have made 3-4x in advance payments for your largest purchase, and lack behind few smaller purchases that will start charging interest. In the past talking to the CS, would resolve this, and you could choose what you want to pay off first, long winded, but it worked. Nowadays they straight up refuse to allow you to allocate funds correctly, to take advantage of the 0% periods that both sides agreed to. It's a cheeky and horrible practice, that makes it super hard to use or reccomend their product if you are someone who want to utilise their credit option for several purchases you are looking to pay over several months. If you are someone who uses credit and pays it off full next month every time, you will love PayPal credit, due to wide adoption. They are however, no where near best credit provider, as they are not reporting positive credit history. If you can get a regular credit card do that instead, the convenience of PayPal linked so natively with eBay is not worth it, if you can build credit history with someone else. Reviewed on: 9th June 2026

great experience with PayPal Credit.

I've had a great experience with PayPal Credit. It's easy to use, payments are simple to manage, and the flexibility to spread the cost of purchases has been very helpful. Overall, it's a convenient and reliable service that I would recommend. Reviewed on: 9th June 2026

It was very easy for me to follow the steps to get P...

It was very easy for me to follow the steps to get PayPal credit. Always very friendly when i needed advice. Making sure my finances were ok to pay it back. It was reassuring that i had PayPal credit to fall back on if need be. Reviewed on: 9th June 2026

Quality service

I have used PayPal for many years and always found the service good Reviewed on: 9th June 2026

Great all round service

Great product, you can also buy now pay later interest free if needed. Good customer service. Good if you have a problem. Reviewed on: 9th June 2026

Really impressed with PayPal Credit

I’ve been really impressed with PayPal Credit—it’s quick and easy to use, which makes managing purchases so much more convenient. The application process is straightforward, and once set up, everything runs smoothly through your PayPal account. I also love the range of offers available, especially the interest-free periods that help spread the cost without added stress. Overall, it’s a flexible and user-friendly option that I’d highly recommend to anyone looking for a simple way to manage payments online. Reviewed on: 9th June 2026

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