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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (58744 reviews)

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4.91

Based on 58,744 reviews, last reviewed 11th Apr 2026

731600% increase in 5 star reviews

in the past 90 days

2300% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Always helpful I can use PayPal with complete confid... Always helpful I can use PayPal with complete confidence when making purchases especially online Reviewed on: 11th April 2026

Latest lowest rating:

1

customer service full of cluless people When I contacted customer service via phone and chat to explain this misallocation, the agents were unable to understand the math, kept asking irrelev... Read more Reviewed on: 10th April 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 (58744)

Great service

Great all round no problems. Always helpful if need help. Reviewed on: 17th May 2024

Convenient and Flexible Mind The Interest Rates

I have been using PayPal Credit, and my overall experience has been quite positive. The application process was straightforward and quick, with clear instructions and prompt approval. One of the features I appreciate most is the flexibility it offers. The ability to make purchases and pay them off over time with no interest, as long as I meet the minimum monthly payments, is very convenient. This has helped me manage my finances better, especially during months with unexpected expenses. The integration with my PayPal account is seamless, making it easy to choose PayPal Credit as a payment option during checkout on numerous websites. I also find the account management tools useful, as they allow me to track my spending and payments easily. However, there are a couple of areas where I feel there could be improvements. For instance, the interest rate after the promotional period can be quite high, which makes it crucial to pay off balances quickly to avoid extra charges. Additionally, I would appreciate more detailed notifications or reminders about upcoming payments to help avoid any late fees. Overall, PayPal Credit has been a valuable financial tool for me, providing flexibility and ease of use that enhances my shopping experience. Reviewed on: 17th May 2024

Great service the entire time I've used PayPal easy...

Great service the entire time I've used PayPal easy and accessible Reviewed on: 17th May 2024

highly recommend

always been happy with what paypal can offer Reviewed on: 17th May 2024

Very handy to have!

Very handy to have! The zero interest over four months is a great option for the more expensive purchases. Easy to make repayments and you get a reminder so you can’t forget to pay on time. I’ve never had any issues and always received any refunds back to my balance quickly Reviewed on: 17th May 2024

Great way of getting a short term interest free loan...

Great way of getting a short term interest free loan beats putting it on a high interest rate credit card Reviewed on: 17th May 2024

Been with PayPal for years now naver have any proble...

Been with PayPal for years now naver have any problems with their service very very good at there job Reviewed on: 17th May 2024

Easy to use.

Easy to use. Can be used to pay for many services. Extended pay back time Reviewed on: 17th May 2024

Great customer service

Never had a problem, their pay in 3 on orders over £99 interest free is great Reviewed on: 17th May 2024

Amazing facility

Very easy to use and great offers for paying over 3 months Reviewed on: 17th May 2024

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