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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 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 (181147)

Always reliable and safe.

Always reliable and safe. Previous experience on problems PayPal customer service has been excellent Reviewed on: 9th June 2026

ON SPOT: PayPal

The customer support is always ON SPOT Reviewed on: 9th June 2026

Excellent service from PayPal Credit

Excellent service from PayPal Credit. The application process was quick and straightforward, with clear information provided throughout. The flexibility to spread payments has been very helpful, and managing the account online is simple and convenient. Payments are processed smoothly, and the overall experience has been hassle-free. A reliable option for managing larger purchases and short-term financing. Highly recommended. Reviewed on: 9th June 2026

5 stars all round!

Always a fantastic service, rarely have to contact support but when I do it’s a smooth and well delivered experience Reviewed on: 9th June 2026

Only positive!

My experience so far has been exceptional. Clear and precise information, easy set up and no email bombardment! Reviewed on: 9th June 2026

There when u need it.

There when u need it you can either pay on 3 or over time for bigger purchases Reviewed on: 9th June 2026

It is very easy to use and then to pay off.

It is very easy to use and then to pay off. The website is very clear and accessible. Reviewed on: 9th June 2026

Very easy to use, great to help spread the cost.

Very easy to use, great to help spread the cost. Recommend! Reviewed on: 9th June 2026

I have used PayPal for years and have never had a ba...

I have used PayPal for years and have never had a bad experience. I have used it for disputes, credit and pay in 3. I have used it for websites that I am wary of and even the well known ones. The new points scheme is okay but I had interest charged in certain purchases when using the PayPal credit card although the 0% interest for 4 months is a great incentive when shopping online. PayPal pay in 3 works similarly to Klarna and the usual transactions for safer checkout is always a bonus. Definitely recommend and will be using for however long I can! Reviewed on: 9th June 2026

PayPal Credit, extremely helpful..

I've been using PayPal Credit for a while now and it's been a massive help to us, with cost rising it great to able to spread the cost of some items even if you do pay a little interest or not.. Reviewed on: 9th June 2026

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