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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149362 reviews)

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4.73

Based on 149,327 reviews, last reviewed 5th Jul 2026

4477% increase in 5 star reviews

in the past 90 days

4317% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Everything was quick, smooth, Excellent service! Everything was quick, smooth, and very easy to complete. The whole process was hassle-free, and I’m really satisfied. Highly recomm... Read more Reviewed on: 5th 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 (149362)

Review of the PayPal, PayPal Credit:

A must have!

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

Love pay in 3, really handy.

Love pay in 3, really handy. But have found it difficult to reduce credit allowance & cancel credit. Reviewed on: 21st June 2026

I have been with Paypal approx 10years.

I have been with Paypal approx 10 to 12 years. I have & will continue to recommend their services. PayPal can resolve issues re incorrect purchase's made in error & return the funds back in your account. Which can be really difficult when you try to resolve with a company yourselves. I tend to pay the higher percentage of my purchases through paypal solely for the above reason.. Paypal Credit is an excellent way to spread payments. They also issue flexi credit cards as seen via the latest tv commercials. Again Paypal is a winner for me! Reviewed on: 21st June 2026

Krzysztof4477

"I use this personal account for everyday online shopping, paying for subscriptions, and occasionally sending money to or receiving money from friends and family. It is strictly a private account and is not used for any business purposes." Reviewed on: 21st June 2026

PayPal Credit is an easy solution.

Not used PayPal credit much but generally it is very easy to apply with a decision made very quickly. An important factor is the availability at any time. Occasionally the rate offered may not be always competitive but still worth considering. Reviewed on: 21st June 2026

Trusted Credit System I have used for years.

I have been using paypal credit for years now and it is easy and simple to use and enables me to get help without feeling embarrassed or judged. The system is easy to navigate and gives clear balances, amounts owed and credit still available figures. Reviewed on: 21st June 2026

Useful feature for bigger purchases that add up to more

It's a very useful way to build up your credit score while allowing you to make bigger purchases paid across 4 months with 0% interest. This has been the main feature I've been using. It helps with bigger expenses since it allows the extra month compared to pay in 3. Unfortunately it does have the downside or being easy to use, and facilitates impulse buying, so it requires a lot more self control to not use a lot of the credit limit. Reviewed on: 21st June 2026

I did not think I would like PayPal credit as much a...

I did not think I would like PayPal credit as much as I do. Reviewed on: 21st June 2026

Love being able to split payments over multiple months.

Love being able to split payments over multiple months. It really helps me to manage larger payments without additional fees. I wish the statements were a little clearer at times as it can be a little confusing when there are multiple purchases split over 3 to 4 months alongside standard payments that need to be paid in full. Reviewed on: 21st June 2026

PayPal Credit, safe and very handy form of credit.

PayPal Credit is a really handy way to purchase products often spread out over interest free when made with na qualifying offer. Highly recommend. Reviewed on: 21st June 2026

It’s the best thing for that extra cash when you nee...

It’s the best thing for that extra cash when you need it the most, convenient and easy payment options Reviewed on: 21st June 2026

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