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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146599 reviews)

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4.73

Based on 146,526 reviews, last reviewed 30th Jun 2026

4397750% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Reliable and secure Easy to use, safer and accepted at many different retailers. Reviewed on: 30th June 2026

Latest lowest rating:

1

PayPal credit Very easy to apply for and use good to spread the cost of items Reviewed on: 30th 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.

PayPal PayPal Credit reviews (146600)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

I trust pay pal been using them for years

I trust pay pal been using them for years Reviewed on: 16th June 2026

Pay in 3 when u have 2 much month not enough money.

Pay in three is good when there’s too much month and not enough money. Gives you breathing space to pay Reviewed on: 16th June 2026

EASY TO USE

EASY TO USE, INTEREST FREE IS GREAT Reviewed on: 16th June 2026

I've been really happy with PayPal Credit.

I've been really happy with PayPal Credit. The thing I value most is how easy it makes budgeting. I can spread the cost of bigger purchases and the Pay in 3 option breaks them into manageable, predictable payments, so a larger buy never throws my month off balance. The flexibility to choose how I repay has been genuinely useful. It's seamless at checkout too. Because it's tied to my PayPal account, paying is just a couple of taps with no re-entering card details, which makes online shopping quick and hassle-free. I've also taken advantage of the 0% promotional financing on a couple of larger items, which let me get what I needed without paying interest as long as I cleared the balance in the promo window. Managing everything through the PayPal app is a real plus. I can see exactly what I've spent, what's coming up, and when payments are due all in one place, which keeps me on top of my finances and makes tracking spending effortless. Honestly, I haven't run into any real downsides. As long as you stay on top of your repayments, it's a flexible, convenient and easy-to-use way to manage spending. Would recommend. Reviewed on: 16th June 2026

Excellent service and easy to use

Excellent service and easy to use Reviewed on: 16th June 2026

I have not experienced any problems

I have had to mark customer service as good because I have not had any experience of using customer service but neutral seems a negative mark. I would recommend adding a box stating 'no experience'. Easy to set up, easy to use and feels like a secure site. Reviewed on: 16th June 2026

Easy to use

Its a great card that allows easy payments and allows me to easily pay through the application. Reviewed on: 16th June 2026

Amazing.

Amazing. Have always used them and they have been great Reviewed on: 16th June 2026

PayPal Credit the safest way to buy online products

I've been using PayPal Credit for the last 12 months and think this is the safest way to purchase items as if there are any discrepancy with the order, PayPal deal with th8snon your behalf. Brilliant service Reviewed on: 16th June 2026

I'm thrilled.

I'm thrilled. Thanks to PayPal, I have so many more options. Reviewed on: 16th June 2026

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