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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181140 reviews)

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4.73

Based on 181,140 reviews, last reviewed 3rd Sep 2026

14% decrease in 5 star reviews

in the past 90 days

4% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

So happy with PayPal credit ... It's been good having PayPal as an option to pay with PayPal credit. It's made life alot easier for me when I needed to budget and pay other essential... Read more Reviewed on: 3rd 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 (181140)

great service

quick and easy to use and very helpfull when asking for help Reviewed on: 8th June 2026

Very handy to have an revolving line of credit there...

Very handy to have an revolving line of credit there in case you need it Reviewed on: 8th June 2026

Always found PayPal very clear and easy to use.

Always found PayPal very clear and easy to use. Has always worked as expected for me. Reviewed on: 8th June 2026

No Interest, No Worries

I’ve had a really positive experience using PayPal Credit. One of the biggest advantages for me is the flexibility it offers, especially when purchasing higher-cost items. It’s great knowing I can spread the payments over time rather than paying everything upfront. What stands out most is the option to pay no interest over 4 months on qualifying purchases. This has made it much easier to manage my budget, particularly for larger expenses, without worrying about extra charges as long as I pay it off in time. The application process was straightforward, and once approved, it’s very convenient to use at checkout whenever PayPal is accepted. Everything is clearly laid out, so it’s easy to keep track of payments and due dates. Overall, PayPal Credit is a really useful option if you want a bit more financial flexibility and a simple way to handle bigger purchases without immediate pressure. Reviewed on: 8th June 2026

Excellent customer service and facilities.

Excellent customer service and facilities. Reviewed on: 8th June 2026

Very handy addition to have

No problems at all. Easy to use. So many places to spend and options to pay. Have had this for a few months now and use it regularly Reviewed on: 8th June 2026

Easy and secure to use

Easy and secure to use, doesn't need additional input of card details and I know my purchase is protected. Reviewed on: 8th June 2026

only had to contact paypal once but customer service...

only had to contact paypal once but customer service was excellent Reviewed on: 8th June 2026

Convenient and flexible ways to manage my finances.

So easy to use and excellent choice in terms of ways to pay. I particularly love Pay in 3, which is interest free. Reviewed on: 8th June 2026

No one does it like PayPal

I have used PayPal credit over the past 6 or more years for all size of purchases from 55”screen televisions to a cheeky cosmetic shopping splurge and have always found it to be convenient and a great option especially when I budget for it correctly and pay off the amount completely interest free. Reviewed on: 8th June 2026

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