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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149834 reviews)

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4.73

Based on 149,671 reviews, last reviewed 6th Jul 2026

1848% increase in 5 star reviews

in the past 90 days

2510% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Easy to access but a little confused Easy to access but a little confused with when/how first instalment is due Reviewed on: 6th July 2026

Latest lowest rating:

2

Verifying payments! Finding how to verify a payment on either the PayPal App or the website is a complete nightmare! Why this cannot simply be a 'pop up' on the site or ... Read more Reviewed on: 5th 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.

PayPal PayPal Credit reviews (149834)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Easy and convenient to use.

Easy and convenient to use. There when you need it. Reviewed on: 22nd June 2026

PayPal reigns supreme

I’ve used PayPal Credit for a variety of purchases over the years. It’s easy to use at checkout, easy to manage in the app and online, and 4 months interest fee means that for small purchase it’s the ONLY way to go! Reviewed on: 22nd June 2026

Paypal was so much more easier to use, unlike other...

Paypal was so much more easier to use, unlike other companies that keep asking for verification over and over and still doesnt register selections or still gets not recognised. It was all straightforward and process was quick Reviewed on: 22nd June 2026

Ease of use, readabley available, most vendors excep...

Ease of use, readabley available, most vendors except it and great safety using it Reviewed on: 22nd June 2026

PayPal has provided me with the best ever shopping e...

PayPal has provided me with the best ever shopping experience. All my online purchase payments are protected. Prompt refunds. PayPal credit is very usefull especially when you don’t have the cash to buy items. Absolutely the best for online shopping Reviewed on: 22nd June 2026

Ok White PayPal

Service ok I'm happy White PayPal Reviewed on: 22nd June 2026

Paypal Everytime

I always use paypal for all of my purchases or money transfers. Paypal credit has come in very useful for me over the years aswell. Pay in 3 plans are also a handy option to have. I would never not use paypal for my purchases if the option is always avaliable. Reviewed on: 22nd June 2026

Avoid these services

It's ill advised to use any credit service without extensive planning on your part to ensure you can pay things off comfortably and without paying fees. These companies hope you fail, miss payments and struggle, that's how they make money, it's exceptionally predatory. Reviewed on: 22nd June 2026

Easy Peasy!

Easy to set up, no interest for 4 months , better than a credit card Reviewed on: 22nd June 2026

Great value.

No problems with the service. Could allow users to request new credit limits. Reviewed on: 22nd June 2026

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