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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (79455 reviews)

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4.90

Based on 79,455 reviews, last reviewed 21st Apr 2026

2642400% increase in 5 star reviews

in the past 90 days

7700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Life saver A life saver when you’re on low finances! Reviewed on: 21st April 2026

Latest lowest rating:

1

Had enough will be ditching account. convenience paypal wins.. but with disputes its hit and miss and a miss can cost me a lot of money long term. recently not happy with disputes and the... Read more Reviewed on: 21st 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 (79455)

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

I've been able to build a credit rating from nothing...

I've been able to build a credit rating from nothing with PayPal finance. Their terms are no nonsense, fees are clear and it's easy to maintain Reviewed on: 17th April 2026

Paypal credit has helped me through my financial har...

Paypal credit has helped me through my financial hardship. I also like paypal because now they offer credit and debit card. Reviewed on: 17th April 2026

Really helped me out

Really helped me out when I was struggling with money Reviewed on: 17th April 2026

Good experience happy with all features they provided

Good experience overall happy with all , always use when I need for something new i desire Reviewed on: 17th April 2026

Great stuff!

Honestly, PayPal Credit has been a total lifesaver for my monthly budgeting. I originally signed up for a one-off tech purchase, but I’ve kept using it because the 4 months of 0% interest on anything over £99 is such a massive perk. It’s incredibly seamless—it just lives right inside my existing PayPal account, so there’s no digging for a physical card or dealing with a separate, clunky app. Being able to spread out the cost of bigger essentials without getting hit by inordinate amounts of interest is great. If you’re already using PayPal and want a bit more breathing room with your spending, it’s a complete no-brainer. Highly recommend! Reviewed on: 17th April 2026

Easy to set up and use.

Easy to set up and use. I used it for a purchase of a phone and it could not have been simpler. It might be worth mentioning that I don't do it for a long time and it's the only credit I use. But worrh it :) Reviewed on: 17th April 2026

No contact helpline anymore Ai is a very poor service.

No contact helpline anymore Ai is a very poor service. Bring back telephone helpline. Reviewed on: 17th April 2026

Exceptionally good

Excellent Toyota honda suzuki good Reviewed on: 17th April 2026

The only payment provider I have used that...

Paypal is the only payment provider I have used that offers protection for buyers Reviewed on: 17th April 2026

No notes, does everything I need

No notes, does everything I need Reviewed on: 17th April 2026

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