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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)

Paypal Credit

Using Paypal credit is a great way of spreading out the cost without incurring added interest making larger payments so much easier to manage. Reviewed on: 9th June 2026

Would not be without PayPal

Started PayPal many years ago on eBay. Was a bit cautious initially and not many retailers accepted it. A few years down the line and I am so happy I have an account. In fact if I’m about to purchase anything and then find ‘no PayPal’ I will not continue. There have been a number of occasions I have needed to submit a dispute with a company and PayPal have intervened and solved the problem. The credit scheme is so helpful for my budgeting and easy to use. Reviewed on: 9th June 2026

In my opinion, PayPal is great because it easy

In my opinion, PayPal is great because it’s easy to use, secure, and accepted by lots of websites. It makes online payments quick and convenient, and I like that I don’t have to enter my bank details every time I make a purchase. It also gives me peace of mind when shopping online. Reviewed on: 9th June 2026

Flexible, safe and top customer service.

I have used PayPal for many years and they have never let me down. Flexible credit and 4 months interest free credit has always been handy for me. Top marks for a good service. Reviewed on: 9th June 2026

PayPal credit is very convenient and helps manage sp...

PayPal credit is very convenient and helps manage spending better Reviewed on: 9th June 2026

This company does not allow balance transfers

This company is brilliant at not allowing you to transfer your balance to a lower interest card. They are also amazing at not highlighting this fact when making an application. What an amazing company..Yay. Reviewed on: 9th June 2026

Convenient and easy to manage

I have been using PayPal Credit and overall my experience has been good. It is convenient when I want to spread the cost of larger purchases and the application/process was simple. Payments are easy to manage through my PayPal account, and I like being able to see everything clearly in one place. The main thing I would advise is to use it carefully and make sure payments are made on time, because credit can become expensive if not managed properly. For me, it has been useful and straightforward when used responsibly. Reviewed on: 9th June 2026

PayPal Credit is Flexible

Have been using this facility for a while and it is a very flexible way to purchase items and help with budgeting. Reviewed on: 9th June 2026

PayPal offer great deals

PayPal offer great deals it's very easy to use Reviewed on: 9th June 2026

PayPal - The struggling GOAT.

Been using PayPal Credit for the last 4-5 years now. The promotional offer of no interest for 4 months on most purchases is so convenient. Love the fact that 90% of online retailers accept PayPal! I've never experienced an issue and the refreshed app with the new features is looking great! Keep improving PayPal! Reviewed on: 9th June 2026

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