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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181105 reviews)

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4.73

Based on 181,105 reviews, last reviewed 5th Aug 2026

57% increase in 5 star reviews

in the past 90 days

78% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal's effective credit system offers a real oppor... PayPal's effective credit system offers a real opportunity to increase your purchasing power. Getting on their system is easy enough and they have fun... Read more Reviewed on: 5th 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 (181105)

Perfect system

PayPal is a great service, very easy to use and to navigate Reviewed on: 2nd June 2026

mr imran

PayPal experience is excellent even help me save money spend money send money I really like it Reviewed on: 2nd June 2026

It enables me to stretch my spending with little str...

It enables me to stretch my spending with little stress. Reviewed on: 2nd June 2026

Nice customer service.

Nice customer service. Always there to respond to queries Reviewed on: 2nd June 2026

Very good, never had any issues.

Very good, never had any issues. Money transfers fast and APR is not too high. Paypal is available to pay on most websites which is a plus. Reviewed on: 2nd June 2026

When I didn't have a job, I used PayPal credit for a...

When I didn't have a job, I used PayPal credit for alot of my payments. And it was such a great help. Reviewed on: 2nd June 2026

PayPal the only smart choice at the checkout

I have been with PayPal for 15 years and their platform continues to impress me. They offer it all pretty much. I take advantage of their checkout options. They have recently introduced a PayPal credit card be and a debit card, both available in a virtual or physical card. The credit card offers 4 months interest free for purchases over £99 interest free They also offer the option of their pay-in-3 whereby purchases can be paid over 3 months interest free! Which I personally find very useful Indeed. And as if that were not enough, useing the debit card and credit card allows you to gain points with every purchase through the relatively new points system made from purchases which translates into actual cash for you to spend as you wish either online or in store and they have lots of offers to gain higher points which is a great incentive. Not forgetting of course PayPal's professional stance throughout where they offer the reassurance that if any purchases encounter problems which cannot be sorted out with the seller then PayPal will step in to get it resolved. Last but not least the app itself runs very smoothly, everything is laid out and easy to understand. If the need should arise that you need help with you have the choice to chat on the app or to phone and PayPal's competent and friendly staff will have your query resolved almost instantly and they. One of my favourite things about contacting customer service is they treat you like a valued customer and really take their time with you to ensure that you are happy with the outcome which has always been, in my case at least, have always proved positive. Reviewed on: 2nd June 2026

PayPal Credit is a surprisingly versatile financing...

PayPal Credit is a surprisingly versatile financing tool for regular online shoppers, functioning as a reusable line of credit directly linked to your PayPal wallet. Its biggest draw is the "6 months special financing" on any single purchase of $99 or more, offering a true interest-free period if paid in full on time. The application process is quick and typically results in a soft credit pull, and it seamlessly integrates into the checkout process across millions of sites that accept PayPal. For big-ticket items like electronics or furniture, it provides a valuable alternative to store cards or "buy now, pay later" apps without needing to re-apply for every purchase. However, the risks are significant and well-documented. The deferred interest structure is a classic trap: if you miss paying off the full balance by the six-month deadline, you will be charged retroactive interest on the original purchase amount, often at a steep APR (around 20-30%). Furthermore, there are no rewards points or cashback, and the standard APR for general purchases is much higher than a typical credit card. PayPal Credit is best used with strict, automated payments and only by disciplined users who can guarantee repayment within the promotional window; for everyone else, it is an expensive to Reviewed on: 2nd June 2026

flexible and secured payment method

I enjoy the buy now and pay later for 4 months with zero interest as well as pay in 3 months instalments. I have been using PayPal for more than 6 years now and it has made my purchases secured with flexible payments Reviewed on: 2nd June 2026

PayPal credit has helped me out

PayPal credit has helped me out with purchases I could not afford at the time, it’s easy to use and I’m always able to find the information I need. Reviewed on: 2nd June 2026

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