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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (119864 reviews)

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4.74

Based on 119,864 reviews, last reviewed 4th Jun 2026

3184250% increase in 5 star reviews

in the past 90 days

9500% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Never had any issues, helps when I have to pay somet... Never had any issues, helps when I have to pay something before pay day and flexible on repayments. Reviewed on: 4th June 2026

Latest lowest rating:

1

Not a credit card - not covered by credit card rules! The interest rate is really high. They are not a credit card so paying back the funds used is really difficult. When you speak to the staff on the pho... Read more Reviewed on: 4th 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 (119864)

The Real Deal

There's always a promotional offers which I use almost all the time Reviewed on: 14th April 2026

It's very good.

It's very good. I wish it worked with Paysend as well. Reviewed on: 14th April 2026

I use PayPal credit all the time when purchasing on...

I use PayPal credit all the time when purchasing on line..It gives me extra assurance on purchases. Would advise anybody to use it Reviewed on: 14th April 2026

easy and convenient

easy and convenient to use, especially for spreading the cost of purchases Reviewed on: 14th April 2026

Great customer service with quick response times.

Great customer service with quick response times. Easy to set up and use with different payment options. Reviewed on: 14th April 2026

Its really helpful and it's provides positive update...

Its really helpful and it's provides positive updates when things are changing Reviewed on: 14th April 2026

I am very pleased with PayPal and I have a great exp...

I am very pleased with PayPal and I have a great experience about them, Thank you so much Reviewed on: 14th April 2026

Very useful and good

Very helpful when it comes to money guarantees especially recovering money from scammers. Also good customer service. PayPal credit is also a very good way of making purchases and paying later. I have been using PayPal for almost 19 years Reviewed on: 14th April 2026

PayPal Credit is my financial life saver!

I have been using PayPal for about 10 years and love how it's allowed me to afford both my necessities and also small luxuries in life. I value the 0% interest for 4 months offer so much and also if my purchase does go on for longer during financial difficulties, the interest I pay is so affordable. Similarly, the Pay In 3 option is such a life saver. I get paid weekly from work so sometimes I don't have enough money to finance a whole purchase right there and then but I can afford the third of the cost. I appreciate PayPal so much, it's made me manage my money and expenses that little bit better and without it damaging my finances or credit score. Reviewed on: 14th April 2026

Easy to use to shop, it's widely accepted

Easy to use to shop, it's widely accepted Reviewed on: 14th April 2026

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