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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (105171 reviews)

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4.90

Based on 105,171 reviews, last reviewed 12th May 2026

2506700% increase in 5 star reviews

in the past 90 days

7400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

4

Excellent value but short terms Only 4 interest free payment plans, it is too short a period. Reviewed on: 12th May 2026

Latest lowest rating:

1

Not good at all, Paypal is highly Not recommended I've been a loyal customer with this company for more than 10 years and I noticed a critical decline in the quality of customer service, who are mostl... Read more Reviewed on: 12th May 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 (105171)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Really easy to use, see balance and organise repayme...

Really easy to use, see balance and organise repayments. Reviewed on: 11th May 2026

Easy to get through ove the phone

Easy to get through over the phone good interest rates Reviewed on: 11th May 2026

I have been using PayPal for many years, the whole p...

I have been using PayPal for many years, the whole process is straightforward. The platform is easy to use. It took a few clicks and my credit was process, which is fantastic for a busy parent. I like the format, and the options available to me, the home dashboard gave me all the information I needed, so did not need to ask anymore questions. Reviewed on: 11th May 2026

Excellent for spreading the cost of purchase.

Definitely my go too to spread the cost of large Purchase. Excellent! Reviewed on: 11th May 2026

Simple easy and repayable payments made easy

Simple easy and repayable payments made easy Reviewed on: 11th May 2026

Excellent service easy to use and can highly recommend

Excellent service easy to use and can highly recommend Reviewed on: 11th May 2026

Always had a good experience with pay pal

Always had a good experience with pay pal Reviewed on: 11th May 2026

PayPal gets my vote!

PayPal offers flexible payments and clear information about services. So user friendly! I find it great for online purchases and managing money. I always feel like it is secure. Great for sharing money with family and friends too when out together or helping each other out. Reviewed on: 11th May 2026

Amazing support

I love the low interest rate. The fact that I'm always covered if someone tries to scam me. PayPal has always got my back. The app is so easy to use and I can control how much I pay in every month or weekly. Reviewed on: 11th May 2026

Convenient and reliable option

I’ve been using PayPal Credit for a while now, and overall my experience has been very positive. One of the biggest advantages is the flexibility it gives when making larger purchases online. The “buy now, pay later” option has helped me spread out payments without putting too much pressure on my monthly budget. The application process was quick and straightforward, and I liked how easy it was to manage everything directly through my PayPal account. Payments are simple to track, and I receive reminders before due dates, which helps avoid missed payments. Another thing I like is the added security and convenience of using PayPal. Since many online retailers already accept PayPal, using PayPal Credit at checkout feels seamless and fast. Overall, PayPal Credit is a useful financial tool for responsible borrowers who want flexibility with online purchases. As long as you understand the terms and manage repayments carefully, it can be a convenient and reliable option. Reviewed on: 11th May 2026

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