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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181132 reviews)

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4.73

Based on 181,131 reviews, last reviewed 21st Aug 2026

8% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Nothing hidden, simple to use. Nothing hidden, simple to use. Convenient for making those larger purchases, especially when they are unexpected Reviewed on: 21st August 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 (181132)

Very convenient to use PayPal credit online, I have...

Very convenient to use PayPal credit online, I have made many purchases using this. Straight forward to pay off Reviewed on: 8th June 2026

Good contact overall and easy to transact with

Good contact overall and easy to transact with Reviewed on: 8th June 2026

Easy to get customer service, app is excellent, good...

Easy to get customer service, app is excellent, good comms, good products Reviewed on: 8th June 2026

Great service

I use PayPal all the time and am really happy with the experience , it gives me time to buy things and pay for them at my pace without stumping up the full cost immediately Reviewed on: 8th June 2026

Ideal for the more expensive items

I use PayPal credit for those more expensive items to spread the cost over a few months. I have always found them easy to deal with Reviewed on: 8th June 2026

Easy to use, like being able to spread payments inte...

Easy to use, like being able to spread payments interest free Reviewed on: 8th June 2026

Zero % for four months vs 4.5 % interest on savings.

Zero % for four months, my money gets 4.5% in the bank can’t argue with the figure s, so it’s no brainer, Keep the money in the bank and pay the credit when it’s near its 4 month limit. Reviewed on: 8th June 2026

Great services after 20 years still great so far.

Never had any issues with CS nor in general's, always friendly Reps and problems are usually resolved . Top services for me. After 20 years. be nice to get a bonus after all those loyal years pay in 3 is a great way to split payments and the points rewards with the debit card is fab too. Cant wait to spen them soon. Reviewed on: 8th June 2026

Very easy process.

Very easy process. Easy to use and navigate. Reviewed on: 8th June 2026

Great options to spread the cost of expensive items.

I have used both the pay in 3 and 0% interest for 4 months options repeatedly. Both help keep my credit rating high and are a handy options to spread the cost when purchasing more expensive items. Reviewed on: 8th June 2026

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