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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 180,850 reviews, last reviewed 15th Jul 2026
393% increase in 5 star reviews
in the past 90 days
465% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

My PayPal experience I use PayPal for most of my transactions and online shopping. It's reliable, easy to use and helpful. Reviewed on: 15th July 2026
A V's avatar
A V

Latest lowest rating:

1

Celebrity Gad PayPal is good and reliable for pay every due diligence Reviewed on: 14th July 2026
Celebrity Gad's avatar
Celebrity Gad
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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (180856)

Confidence and flexibility

5
I always use PayPal credit, it gives me a chance to buy something extra if needed or when unexpected emergency expenses come up. It gives me flexibility regarding paying back, 4 months for larger buys is excellent time frame. I’ll always use PayPal credit over any other. Reviewed on: 9th June 2026
Julija G's avatar
Julija G

Long term customer

4
I overpaid into my PayPal credit and had to contact customer support to transfer the money back. Customer support were excellent but it would be ideal if once the credit balance is 0% no further direct debit payments are taken. I wouldn’t recommend PayPal credit to friends or family as I wouldn’t advise someone to take credit but I would say it’s easier to manage and more accessible than other forms of credit so would be a convenient option for someone who needs short term credit Reviewed on: 9th June 2026
DSKLZRD 's avatar
DSKLZRD

3 month payment period

5
I like the 3 month payment period Reviewed on: 9th June 2026
Jeanette W's avatar
Jeanette W

I’ve had no issues with PayPal.

5
I’ve had no issues with PayPal. They have provided a great service. Reviewed on: 9th June 2026
Chris B's avatar
Chris B

Overall great to use.

5
Overall great to use. Although interest charges are a bit high Reviewed on: 9th June 2026
Chaz F's avatar
Chaz F

Whenever needed to pay later PayPal was there for me...

5
Whenever needed to pay later PayPal was there for me Reviewed on: 9th June 2026
Jawed M's avatar
Jawed M

Over all experience is good however i had an issue r...

5
Over all experience is good however i had an issue recently where PayPal wasn’t fair with me Reviewed on: 9th June 2026
Mk's avatar
Mk

Quick and easy to use.

5
Quick and easy to use. The App allows me to clearly see my transactions. Having both a physical and virtual card makes using it simple. Reviewed on: 9th June 2026
Jon S's avatar
Jon S

So simple yet secure.

5
So simple yet secure. Consistent and reliable. Payments are taken regularly and updates always given when a purchase has been made. Reviewed on: 9th June 2026
Robyn B's avatar
Robyn B

I find Paypal to be an excellent provider.

5
I find Paypal to be an excellent provider and the payment options they provide ensure that I can always make a purchase whenever I need to. Reviewed on: 9th June 2026
Peter G's avatar
Peter G

Review PayPal: PayPal Credit now

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