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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (79023 reviews)

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4.90

Based on 79,023 reviews, last reviewed 20th Apr 2026

2602400% increase in 5 star reviews

in the past 90 days

7600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

My PayPal! Have been with PayPal for a number of years now, and have had a very positive experience! Would have no hesitation in recommending them for all financ... Read more Reviewed on: 20th April 2026

Latest lowest rating:

1

PayPal credit is difficult to use when you want to p... PayPal credit is difficult to use when you want to pay off everything before interest is charged. Reviewed on: 20th April 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.

PayPal PayPal Credit reviews (79023)

Review of the PayPal, PayPal Credit:

A good help to be honest, sometime you don't want to...

A good help to be honest, sometime you don't want to pay a big amount and spreading the payment for more months is great for buget. Reviewed on: 1st June 2025

Great experience so far , service usage has been fas...

Great experience so far , service usage has been fast and secure Reviewed on: 17th April 2026

Had PayPal for many years never had any problems usi...

Had PayPal for many years never had any problems using the service and found assistance when needed to get results Reviewed on: 17th April 2026

Easy and Friendly

Simple and easy to use. User-friendly interface and not too complicated Reviewed on: 17th April 2026

Great security

PayPal use is very easy, lots of ways to pay with 0% options and I like the security PayPal provide. Reviewed on: 17th April 2026

Very easy.

Very easy. Always handy whenever required for payment Reviewed on: 17th April 2026

Always helpful customer support on hand

Always helpful customer support on hand Reviewed on: 17th April 2026

Budget friendly credit.

It’s very easy to apply for credit with PayPal. Pay in 3 interest free options are particularly helpful when you are living on a budget. For longer term borrowing, PayPal Credit also offers excellent terms to help with more expensive purchases. The ability to pay more when you can is also helpful in reducing interest. There is also a window at the beginning of your longer term credit agreement to make interest free payments and reduce overall interest. I’d definitely recommend when you need a lot bit of help to buy things when living on a budget. Staff are always very helpful too if you need to contact them. Reviewed on: 17th April 2026

Pay pal love it

All good love using PayPal handy when you want to pay in 3 Reviewed on: 17th April 2026

the payment details on a purchase wasnt showing corr...

the payment details on a purchase wasnt showing correctly until days before payment needed, made me confused and panicked. Reviewed on: 17th April 2026

Very good, I love to use PayPal

PayPal Credit can be a convenient option for spreading the cost of purchases, especially for larger items or unexpected expenses. The application process is usually quick, and once approved, it integrates smoothly with checkout, making it easy to use online. One of its main advantages is access to promotional financing offers, such as interest-free periods on qualifying purchases, which can be helpful if balances are paid on time. The platform is straightforward to manage through your account, allowing users to track balances, payments, and statements in one place. This makes it more user-friendly than some traditional credit products. However, it’s important to read the terms carefully. Standard interest rates can be high if promotional balances are not cleared before the offer ends, and missed payments may negatively affect your credit profile. It’s best suited for disciplined borrowers who have a clear repayment plan. Overall, PayPal Credit is a useful flexible payment tool for responsible users who value convenience and want short-term financing options for online shopping. Reviewed on: 17th April 2026

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