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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181144 reviews)

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4.73

Based on 181,144 reviews, last reviewed 8th Sep 2026

42% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I always use PayPal for paying for things. I always use PayPal for paying for things. You have assurance that you will get your money back if you are scammed online, which has already happened ... Read more Reviewed on: 8th 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 (181144)

When shopping online if PayPal is an option I always...

When shopping online if PayPal is an option I always use it as it makes me feel my purcahse is safe. I use the credit facility as it is convenient and fits with my ability to pay it back. Reviewed on: 9th June 2026

Having the option to split costs into interest-free...

Having the option to split costs into interest-free payments can take a massive weight off your shoulders and give your budget some breathing room when buying the things you love. It provides a real sense of relief and flexibility when money feels tight.While it is a fantastic tool for managing cash flow, it is always a good idea to keep a few practical guardrails in mind to ensure it stays stress-free in the long run. Reviewed on: 9th June 2026

Easy to manage

Easy to manage money and spread the costs interest free with PayPal credit Reviewed on: 9th June 2026

Always found customer service very helpful.

Always found customer service very helpful. Found PayPal Credit to be very useful and easy to access. Reviewed on: 9th June 2026

Always helpful when you call the payments are clear...

Always helpful when you call the payments are clear and easy to understand they give you a chance to pay off interest free and let you know when that time is ending Reviewed on: 9th June 2026

I’ve used PayPal Credit for spreading the cost of pu...

I’ve used PayPal Credit for spreading the cost of purchases and found it straightforward to use. The application process was simple and payments are easy to manage through the PayPal app. It’s useful for larger purchases, although it’s important to keep track of repayment dates and understand the interest terms. Overall, a convenient credit option when used responsibly. Reviewed on: 9th June 2026

The credit facility is very flexible, the rates are...

The credit facility is very flexible, the rates are low and you know how much you cab use before commiting. Reviewed on: 9th June 2026

0% interest free purchases are only 4 months, more m...

0% interest free purchases are only 4 months, more months would make it great! Reviewed on: 9th June 2026

PayPal credit is a great option to have

PayPal credit is a great option to have and be able to use, the payback & interest terms are very affordable. PayPal’s customer service is spot on, very helpful and supportive and their communication is just right, not too much that you feel like it’s filling your mailbox and not too little you feel like you’re missing something Reviewed on: 9th June 2026

I have been using PayPal for over a decade, have nev...

I have been using PayPal for over a decade, have never experienced any issues, and PayPal has been there for me when I needed it most. Thank you! Reviewed on: 9th June 2026

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