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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146863 reviews)

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4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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 (146863)

Interest free buffer

Great for spreading costs interest free over a few months Reviewed on: 17th June 2026

Love the pay in 3!

Love the pay in 3! I use this often especially Christmas time, so glad to see it back as an option Reviewed on: 17th June 2026

Excellent customer service and very safe to use best...

Excellent customer service and very safe to use best online payment method by far Reviewed on: 17th June 2026

Credit where its needed

I use PayPal for nearly every onl8ne transaction PayPal credit has been a lifesaver getting things i needed Reviewed on: 17th June 2026

I love paypal credit as it helps me buy larger value...

I love paypal credit as it helps me buy larger value items and spread the cost over a period of time. Im able to see in my account what i have paid and what i owe. There is no or little interest added on like some other credit providers. Reviewed on: 17th June 2026

Always offered an interest free rate and the payment...

Always offered an interest free rate and the payments are simple. Managed easily through my account. i like that PayPal has an extra layer of protection over my own current account; I don’t need to give vendors my card details, so it also gives me peace of mind when buying online. Reviewed on: 17th June 2026

It’s easy and very handy,...

It’s easy and very handy, and I like that it doesn’t seem to mind that I only pay the minimum back most of the time. Indiscriminate in that way Reviewed on: 17th June 2026

Unbelievable service and product.

Unbelievable service and product... works with everything Reviewed on: 17th June 2026

When Increasing my payment they cancelled the old pa...

When Increasing my payment they cancelled the old payment then charged me for a missed payment and affected my credit rating. I timed the increase at the wrong time. They need to fix this Reviewed on: 17th June 2026

A lifesaver when I needed it most

PayPal Credit has been one of the best financial tools I have used. It gave me the flexibility to make important purchases when I needed them without putting pressure on my monthly budget. The application process was quick, managing payments is straightforward, and everything is clearly displayed. It has helped me spread costs responsibly and has given me peace of mind when unexpected expenses came up. I would definitely recommend PayPal Credit to anyone looking for a flexible and reliable way to manage purchases. Reviewed on: 17th June 2026

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