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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (120786 reviews)

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4.74

Based on 120,786 reviews, last reviewed 6th Jun 2026

3227050% increase in 5 star reviews

in the past 90 days

9650% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Outstanding service money availability pretty much i... Outstanding service money availability pretty much immediately Reviewed on: 6th June 2026

Latest lowest rating:

1

The new app is so awful and poorly made. The new app is so awful and poorly made. I feel sorry for its creator and manager. They gave it to a young, inexperienced kid. It would have been bett... Read more Reviewed on: 5th June 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 (120786)

Excellent all round.

Excellent all round. Helps with buying Reviewed on: 14th April 2026

I have used PayPal for over 20 years and continue to...

I have used PayPal for over 20 years and continue to do so. From pay in 3, PayPal credit and PayPal + transaction methods remain flexible and meet my needs. The fintech space has expanded massively but I don’t have any reason to look elsewhere. Reviewed on: 14th April 2026

Amazing Paypal .

I’ve had a pretty good experience with PayPal Credit overall. It’s really convenient for spreading the cost of purchases, especially with the 4-month interest-free option if you pay it off on time. It works smoothly at checkout, and I like that everything is managed in one place through PayPal. That said, you do have to stay on top of payments—if you miss one, the interest can be quite high and fees can apply. I’ve also heard customer service can be hit or miss, so I try not to rely on that. But if you use it responsibly, it’s a handy option for bigger purchases.” Reviewed on: 14th April 2026

Good experience so far.

It's been a good experience so far as I've never had an issue when using PayPal which is accepted almost every where. Now, it's much better as I've been given a physical card (credit & debit). Reviewed on: 14th April 2026

I haven’t had any issues.

I haven’t had any issues. It’s easy to use and the 4 months 0% is great Reviewed on: 14th April 2026

Peace of mind !!!

I pay for as much as I can using PayPal as in today's climate having that peace of mind is unbeatable Reviewed on: 14th April 2026

Always good service!

Always good service! Quick and easy to use. I’ve used PayPal for probably coming up to 10 years now and I can’t fault it. I especially love the pay in 3 and pay later options as always helps spread money out a little more. Reviewed on: 14th April 2026

Brilliant

They are quick and easy to use and the zero percent financing options are brilliant. Reviewed on: 14th April 2026

PayPal Recommendation

Excellent customer service, quick & efficient, easy use of the app, never had any problems. Highly recommend! A***** Reviewed on: 14th April 2026

Just professional,simple as that

Just professional,simple as that Reviewed on: 14th April 2026

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