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PayPal: PayPal Credit reviews

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4.90
Based on 62,631 reviews, last reviewed 13th Apr 2026
1089900% increase in 5 star reviews
in the past 90 days
3500% 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

Excellent options to finance purchases and great cus... Excellent options to finance purchases and great customer services. Especially like the pay in 3 interest free payment option. On every occasion when ... Read more Reviewed on: 13th April 2026
Stuart M's avatar
Stuart M

Latest lowest rating:

2

I had bad experiences with customer services I had bad experiences with customer services Reviewed on: 13th April 2026
Mohammed H's avatar
Mohammed H
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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 (62631)

Highly recommend!

5
Highly recommend PayPal Credit! Very convenient! Reviewed on: 8th July 2022
AW's avatar
AW

Excellent

4
Idea for when your low on cash. I have used it to make several large purchase. it is easy to use but they should try and make it clearer on the interest rate. Update of the app is needed so you can payoff your credit before the time given. Reviewed on: 8th July 2022
Emmanuel neto Ugochukwu's avatar
Emmanuel neto Ugochukwu

Convenient way 2.pay

5
Quick and within my limit PayPal is the reliable way to go Reviewed on: 8th July 2022
GINA STEPHENS's avatar
GINA STEPHENS

Brilliant

5
PayPal credit and Pay in 3 allows me to buy food and necessities when I need them. I feel safe using PayPal because they send me constant reminders of how much money I need to pay and date due. I find customer services over the phone very helpful, knowledgeable and patient with me when I want to know about unrecognised charges. Also customer services via chat room is even better as you can actually see the answer to ones question. I have been with PayPal for many years and if I cannot buy via PayPal I do without. I feel PayPal as a credit lender has my back and this its much appreciated. Thank you Reviewed on: 8th July 2022
Carmen Schaller's avatar
Carmen Schaller

So easy and convenient

5
Love the no interest for 4 months, it is easy to use and allows me to afford the things I love without paying any interest. Being a student, my credit rating is not as good as some other people's, but I was able to get access to Paypal credit and many online store have the option to pay with Paypal, from Apple to my trip. Reviewed on: 8th July 2022
esther adeleke's avatar
esther adeleke

The best

5
i recommend paypal to anyone because it is safe and very convenient to use and spend my money. Reviewed on: 8th July 2022
zuberga.inese@gmail.com's avatar
[email protected]

Always there

5
PayPal Credit is always there if I forget my wallet for purchases that can accommodate this service. Also since I acquired it they always increased my annual credit limit due to me paying on time which is a plus. Reviewed on: 8th July 2022
Shakeel Sheikh's avatar
Shakeel Sheikh

Excellent

5
No hassle. Fair interest rates. Peace of mind for all online payments Reviewed on: 8th July 2022
Sandrs's avatar
Sandrs

Excellent service

5
This provider gives satisfactory ratings for all my personal and family needs .Highly recommended Reviewed on: 8th July 2022
Vivian's avatar
Vivian

Excellent customer service

5
Paypal always make sure you get refund and the item is not as described. Reviewed on: 8th July 2022
Paulina Tandoh's avatar
Paulina Tandoh

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