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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145683 reviews)

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4.73

Based on 145,662 reviews, last reviewed 28th Jun 2026

4358700% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Had great customer service from PayPal whenever need... Had great customer service from PayPal whenever needed and it was fast. The credit is generous although I prefer it were larger. I recommend it for th... Read more Reviewed on: 28th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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.

PayPal PayPal Credit reviews (145683)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

PayPal Credit

It is an excellent way of paying for stuff you buy online. I like the 3-4 months of interest free repayment cycles and use them quite often. Reviewed on: 15th June 2026

Easy to use and affordable repayments

Easy to use and affordable repayments Reviewed on: 15th June 2026

I user the 4 Month 0% for bigger purchases.

I user the 4 Month 0% for bigger purchases to spread the cost Reviewed on: 15th June 2026

Very helpful and manageable credit.

Very helpful and very manageable credit. Lots of good deals on 0% interest available and simple to use online Reviewed on: 15th June 2026

Useful and simple to use

Easy to use and highly effective Reviewed on: 15th June 2026

Open & honest from the beginning

Paypal has open & honest from the beginning. The app and the process have all been very easy. The page of what and when to pay is really clear. If feel I'm in safe hands. The cost of the borrowing is really clear. Reviewed on: 15th June 2026

I always pay at least my minimum wage payment normal...

I always pay at least my minimum wage payment normally before the due date but PayPal won’t count it as a payment unless it’s on the day you pay it so I keep getting messages to say I have not paid my minimum payment even though I have already paid before it is due !! Reviewed on: 15th June 2026

Easy and convenient!

Easy and convenient! No fuss, no worries. Reviewed on: 15th June 2026

It is great very easy to use and a good costumer ser...

It is great very easy to use and a good costumer service. Reviewed on: 15th June 2026

PayPal Consumer Credit has been a convenient way for...

PayPal Consumer Credit has been a convenient way for me to manage larger or unexpected purchases by spreading the cost over time. It’s quick to use at checkout and everything is clearly tracked in my PayPal account, so I can easily see what I owe and when payments are due. The setup was quick, and everything is kept in one place inside my PayPal account, so I can clearly see what I owe and when payments are due. That transparency makes it easier to stay on top of things and avoid missing payments. Overall, my experience has been positive because it combines ease of use with practical budgeting support, especially when I need a bit more flexibility with spending ranging from being simple without any hassle Reviewed on: 15th June 2026

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