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PayPal: PayPal Credit reviews

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4.90
Based on 65,672 reviews, last reviewed 14th Apr 2026
1369300% increase in 5 star reviews
in the past 90 days
4000% 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

Exactly as described. Exactly as described. Easy to use. Reviewed on: 14th April 2026
Paul.A's avatar
Paul.A

Latest lowest rating:

1

PayPal credit has to be thee worst and I mean thee w... PayPal credit has to be thee worst and I mean thee worst credit providers. High interest and can't pay off transactions separately. Reviewed on: 14th April 2026
Femia's avatar
Femia
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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 (65672)

PayPal credit

5
I love PayPal credit because you 4 months no interest to pay back, also you can use it nearly anywhere when you shop online! Reviewed on: 2nd June 2023
Oleg's avatar
Oleg

best credit card

5
5 years used never problem cheapest intrest Reviewed on: 2nd June 2023
Marcin's avatar
Marcin

One of the best credits

4
I have been using the credit card and I’m so happy with it as it’s so handy . Reviewed on: 2nd June 2023
Cyrus Darya's avatar
Cyrus Darya

Top card

5
We regularly use PayPal for big purchases and the 4 months interest free is a great way Reviewed on: 2nd June 2023
Debbie Hepworth's avatar
Debbie Hepworth

Best

5
Tells you within seconds if you are approved or not Reviewed on: 2nd June 2023
luke burgin's avatar
luke burgin

Flexible 0% Interest

5
I have been using PayPal for many years and the peace of mind with all of the safety when using PayPal is invaluable. Over the past two years I have been using PayPal Credit with the option to have 4 month’s interest free options. What a god send this has been, I have also used the 12 month plan and with fantastic interest rates and option to clear the balance at any time it has also enabled me to purchase items when needed. Great customer service, great credit options and a great company. Thank you PayPal Reviewed on: 2nd June 2023
Ghudsong's avatar
Ghudsong

Want it Paypal it

5
Flexible safe and secure easy to use easy to contact and agents very helpful friendly and understanding it’s a win win Reviewed on: 2nd June 2023
Joey McCune's avatar
Joey McCune

Easy and affordable

5
Gives people chance to borrow money interest free for three months so it's perfect for purchasing things you need but things you can't afford to buy generally as it would be too much money in one go to sacrifice. I think it's a great way to build credit and the app reminds you how much your monthly repayments are as well as being able to pay off more if you want to. Reviewed on: 2nd June 2023
DLB's avatar
DLB

So easy to manage

5
Easy to manage, very helpful , been using PayPal for a number of years any queries are handled with ease. Reviewed on: 2nd June 2023
Lorraine McPaul's avatar
Lorraine McPaul

0% credit is a lifesaver

5
In these hard times of high inflation, a credit provider offering 0% credit for 4 months can be a lifesaver for struggling families. If your fridge freezer or washing machine packs up, spreading the cost of a new appliance can be vital to prevent one going into overdraft and incurring costly charges. I can't recommend them enough. Reviewed on: 2nd June 2023
Lawrence Newman's avatar
Lawrence Newman

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