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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 55,628 reviews, last reviewed 7th Apr 2026
447000% increase in 5 star reviews
in the past 90 days
1000% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I use PayPal all the time because it’s quick, easy,... I use PayPal all the time because it’s quick, easy, and I trust it. The buyer protection gives me peace of mind when shopping, and the Pay Later optio... Read more Reviewed on: 7th April 2026
Liz P's avatar
Liz P

Latest lowest rating:

2

Good credit options. Good credit options. But the calculations and when to start paying interest is confusing Reviewed on: 7th April 2026
Elango's avatar
Elango
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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 (55628)

Excellent service

5
Just what I needed to make life easier Reviewed on: 16th July 2022
Gary Evans 's avatar
Gary Evans

PayPal Credit

5
Gives me exactly what I need affordable rates and payment methods. It gives me the flexibility to get what I need on line or in store and the different payment methods make it easy to manage credit responsibly. Reviewed on: 15th July 2022
Joe Benmore's avatar
Joe Benmore

No pressure to pay back asap

5
No interest for 4 months, I pay how much and when I want and great when I need to buy something but running low on my main account. Reviewed on: 14th July 2022
Tiffany Powell's avatar
Tiffany Powell

FANTASTIC LENDER

5
PAYPAL (CREDIT) IS A FANTASTIC LENDER. EXCELLENT LENDING SERVICES GUARANTEED AND PROVIDED - ALL PURCHASES AND SPENDINGS MADE ARE VERY EASY, SUCCESSFUL AND APPROVED!!! PAYPAL CREDIT HAS POSITIVELY EXCEEDED ALL EXPECTATIONS AND IS EXTREMELY HELPFUL IN DIFFICULT CIRCUMSTANCES. PAYPAL (CREDIT) EXCEPTIONALLY ENSURES ON-TIME AND CONSTANT COMMUNICATIONS AND INFORMATION ABOUT ALL PURCHASES, SPENDINGS, PAYMENTS AND EXISTING STATUS. NO FLAWS AND PROBLEMS EXPERIENCED IN PAYMENTS MADE FOR PURCHASES AND SERVICES PROVIDED!!! THANK YOU VERY MUCH PAYPAL (CREDIT). Reviewed on: 14th July 2022
EGUONO EYARU's avatar
EGUONO EYARU

easy to use

5
have used paypal credit a few times when really needed, it was easy to use and pay back monthly as you wish. Reviewed on: 14th July 2022
Mimi Miroslava Justusova's avatar
Mimi Miroslava Justusova

Great help during covid times

5
I used PayPal credit during covid times , it was great also to purchase items from shops . Reviewed on: 14th July 2022
Dorothy J Hammond's avatar
Dorothy J Hammond

Very good

5
Fair and secure. Very handy to make big purchases with more time to pay Reviewed on: 14th July 2022
paul martin's avatar
paul martin

PayPal credit makes buying easier

5
I have had a PayPal credit account for almost 5 years now, it is so convenient & simple to use. Getting 4 months interest free credit on purchases, or opting instead for a ‘pay in three’ payment is so helpful, allowing me to spread the costs over a longer time, taking away the stress and worry that comes with larger purchases Reviewed on: 13th July 2022
S MacDonald's avatar
S MacDonald

Easy to use

5
Super easy to use and no fuss. Helps to spread the cost of big purchases to more affordable ones. One very happy customer. Reviewed on: 13th July 2022
Samantha Jean Scuffham's avatar
Samantha Jean Scuffham

Easy, Reliable and Straightforward

5
Easy online click, no interest offer. Straightforward Reviewed on: 13th July 2022
Bisi Bamidele's avatar
Bisi Bamidele

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