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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145012 reviews)

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4.73

Based on 144,806 reviews, last reviewed 24th Jun 2026

4319700% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Simple to use, good to space out payments Simple to use, good to space out payments Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd 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.

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PayPal PayPal Credit reviews (145012)

very good features The split payment i...

Good platform very good features The split payment is excellentperformance is brilliant. It makes you want to use this as you priority card Reviewed on: 15th June 2026

Always easy to deal with PayPal.

Always easy to deal with PayPal. Everything could be done through the app Reviewed on: 15th June 2026

The pay in 3 is great for larger items, that you can...

The pay in 3 is great for larger items, that you can’t afford to buy in one go. Reviewed on: 15th June 2026

I use PayPal very often, I like that they give 4 mon...

I use PayPal very often, I like that they give 4 months 0% interest fee. I can afford to pay it back Reviewed on: 15th June 2026

I’ve had an amazing experience with PayPal credit, c...

I’ve had an amazing experience with PayPal credit, can’t recommend it enough - it’s super easy to use, and very clearly set out / communicated in terms of first figuring out how to use it, seeing your balance/transactions and how much you would need to pay either that month or if you wanted to pay your balance off in full. It’s not intimidating in the way that some of these things can be - very easily accessible Reviewed on: 15th June 2026

PayPal options to spread the cost interest free are...

PayPal options to spread the cost interest free are great and really helpful Reviewed on: 15th June 2026

A great way to spread the cost of a purchase without...

A great way to spread the cost of a purchase without incurring high interest rates, very convenient. Reviewed on: 15th June 2026

Really helps out when you need it most ...

Really helps out when you need it most Reviewed on: 15th June 2026

Love PayPal and PayPal credit.

Love PayPal and PayPal credit. Give me security in purchasing online, multiple way to pay in full or spread the costs. Easy to pay more or check balance on the app and with added security when logging in I feel my details are safe. Reviewed on: 15th June 2026

A good overall banking experience.

A good overall banking experience. PayPal credit repayments breakdown showing how much is paid off each item purchased each month would be helpful. Reviewed on: 15th June 2026

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