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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)

So easy to use helps to budget and safe

It is so easy to use PayPal and the bonus of paying over four months helps if you have a larger purchase. Can also pay over 3 months where the payments are worked out for you in a payment plan. Especially useful at Christmas time when buying presents a larger than usual outgoings can pay off over time. Safe to use feel protected using as a payment provider. Reviewed on: 9th June 2026

I love Paypal

I love Paypal, I use it for everything as it is trustworthy and secure. Reviewed on: 9th June 2026

Great for those larger purchases

PayPal credit is great for when you don’t want to spend a large amount up front and you can spread the cost. I like to keep my money in savings accounts and use the 0% finance options meaning I can keep earning interest on the savings without any penalty. It’s even better when there are special deals with longer 0% options, such as buying though eBay. Reviewed on: 9th June 2026

I've being using PayPal for over 10 years.

I've being using PayPal for over 10 years. I trust PayPal. Reviewed on: 9th June 2026

Simple, flexible, reliable, and helpful

PayPal enables me to spread payments without issue, and he customer service is always so helpful. Reviewed on: 9th June 2026

I highly recommend PayPal easy to use low interest i...

I highly recommend PayPal easy to use low interest it can be used at any shops. Reviewed on: 9th June 2026

Perfection

Easy to use, good rates & probably the best customer service ever - they go out of their way to help you. Reviewed on: 9th June 2026

Flawless and easy payment system.

Flawless and easy payment system. Love the 0% interest if paid off within 4 months. Reviewed on: 9th June 2026

Excellent user friendly app.

Excellent user friendly app.....staff are helpful and knowledgeable. Reviewed on: 9th June 2026

PayPal are a reliable option.

PayPal are a reliable option. I would love for them to breakdown credit and repayments. Reviewed on: 9th June 2026

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