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PayPal: PayPal Credit reviews

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4.90
Based on 81,058 reviews, last reviewed 22nd Apr 2026
2791700% increase in 5 star reviews
in the past 90 days
8100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Great option for flexible purchase Great option for flexible purchase Reviewed on: 22nd April 2026
ThatSMyName's avatar
ThatSMyName

Latest lowest rating:

2

Its no Klarna or clearpay Its no Klarna or clearpay in terms of paypal doesn't give reminders about making payments to paypal credit so you end up getting in more debt with lat... Read more Reviewed on: 21st April 2026
Loz's avatar
Loz
Read all reviews Write a review

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 (81058)

Great credit terms, very helpful customer support, h...

5
Great credit terms, very helpful customer support, highly recommended Reviewed on: 18th April 2026
Srian Leanage's avatar
Srian Leanage

Good App, best payment services

5
Their services is very good. Their rate is great. And their customer data protection is top notch Reviewed on: 18th April 2026
Sunday M's avatar
Sunday M

Used PayPal many times, very good if you pay off in...

4
Used PayPal many times, very good if you pay off in time but interest can be high if not, but that's the risk of finance I suppose. Reviewed on: 18th April 2026
Terry C4 VTS's avatar
Terry C4 VTS

PayPal Rocks!!!

5
PayPal has been a reliable and convenient payment platform for me over the years. It’s widely accepted, easy to use, and offers a strong layer of buyer protection that gives peace of mind when shopping online. Sending and receiving money is quick, and the interface is generally user-friendly, whether on desktop or mobile. PayPal Credit is a useful addition, especially for spreading the cost of larger purchases. The promotional offers, like interest-free periods, can be helpful if managed carefully. It’s straightforward to use at checkout, and having that flexibility can make a difference when budgeting. Overall, PayPal and PayPal Credit are solid financial tools that offer convenience, security, and flexibility. Reviewed on: 18th April 2026
Anonymous's avatar
Anonymous

My experience with PayPal has been good.

5
My experience with PayPal has been good. Reviewed on: 18th April 2026
Catherine N's avatar
Catherine N

Was great handled it quick and was easy to speak...

5
Was great handled it quick and was easy to speak to Reviewed on: 18th April 2026
Shaun Quinn's avatar
Shaun Quinn

Easy to use , easy to understand and lots of...

5
Easy to use , easy to understand and lots of perks Reviewed on: 18th April 2026
rob h's avatar
rob h

Flexibility, and Confidence with PayPal Credit

5
I’ve been using PayPal Credit for a while now, and honestly, it’s one of the most convenient ways to manage online purchases. What I like most is the flexibility. It works like a digital credit line linked directly to your PayPal account, so you don’t need a physical card. At checkout, you just select PayPal Credit and you’re done—it’s quick and hassle-free.  The 0% interest for 4 months on purchases over £99 is a big advantage. It gives you breathing room to spread the cost without extra charges, which is perfect for bigger purchases.  I also appreciate how easy it is to track spending. You get a monthly statement and can make repayments in a simple, clear way—just like a regular credit account.  Of course, like any credit product, you have to use it responsibly. If you don’t pay on time, interest can be quite high, so it’s important to stay on top of payments.  Overall, PayPal Credit is a great tool for managing finances when used wisely. It’s convenient, flexible, and ideal for online shopping—especially if you want short-term interest-free options. Reviewed on: 18th April 2026
Pavel P's avatar
Pavel P

I use PayPal for many years.

5
I use PayPal for many years. I love all the PayPal services. Reviewed on: 18th April 2026
Doriana P's avatar
Doriana P

Excellent customer service.

5
Excellent customer service. Great support for online shopping and banking. Reviewed on: 18th April 2026
Madeleine J's avatar
Madeleine J

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