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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181131 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 (181131)

Fortunately flexible ...

I’ve been fortunate and never needed to use customer services, but the flexibility provided by PayPal and how I buy goods and services is unrivalled. Reviewed on: 8th June 2026

Trustworthy and very good sevice

Trustworthy and very good sevice Reviewed on: 8th June 2026

PayPal is easy to pay faster and good service.

PayPal is easy to pay faster and good service. Reviewed on: 8th June 2026

Excellent Service

Excellent service, quick, easy and value for money Reviewed on: 8th June 2026

Great offer 4 months repayment without interest is a...

Great offer 4 months repayment without interest is a great offer Reviewed on: 8th June 2026

Easy to deal with, never had a problem,

Easy to deal with, never had a problem, Reviewed on: 8th June 2026

Gives me flexibility and plan my finance.

Gives me flexibility and plan my finance. Reviewed on: 8th June 2026

Great for personal development

I’ve been using PayPal Credit for a while now, and it’s been incredibly helpful for financing my professional development. I recently used it to pay for voice acting classes to help expand my own training business. Being able to break up large upfront course fees into manageable chunks makes investing in my career way less stressful. The integration into the standard PayPal checkout is seamless, and tracking my balance in the app is straightforward. The interest-free introductory windows are fantastic as long as you plan ahead and stay on top of your payments. My only minor critique is that the customer service response times can be a bit slow if you have a specific billing question, but as a pure financing tool, it does exactly what I need it to do. Reviewed on: 8th June 2026

I love PayPal credit

I have used PayPal credit a few times usually for bigger purchases towards our house renovation. I like the ease of paying my bill via the app plus the reminder emails. Four months interest free is very generous and also helps boost your credit score! Reviewed on: 8th June 2026

as good as the known/mainstream brands

improvements to the payment and processing options as well as reasonable interest rates make this a good alternative to high street names. Reviewed on: 8th June 2026

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