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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (75248 reviews)

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4.90

Based on 75,248 reviews, last reviewed 18th Apr 2026

2253300% increase in 5 star reviews

in the past 90 days

6400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal the king of payment providers PayPal online and in the app is intuitive and has a user friendly interface. The ease and safety are why I prioritise the use above other payment opti... Read more Reviewed on: 18th April 2026

Latest lowest rating:

2

Frustrating I don’t understand why items that have been refunded still show as an outstanding balance. I am paying for something called Zettle by PayPal but have ... Read more Reviewed on: 18th April 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 (75248)

Safe with PayPal.

Never been disappointed with PayPal.. I feel confident paying with PayPal, always safe and never vulnerable Reviewed on: 24th May 2024

I sometimes have to rely on paypal credit for larger...

I sometimes have to rely on paypal credit for larger purchases, repaying is easy and hassle free. Would highly recommend. Reviewed on: 24th May 2024

I quick turn back

I applied for it and it was successful, no rush it took just a few minutes. Liked it Reviewed on: 24th May 2024

I’ve had a great experience with PayPal credit, easy...

I’ve had a great experience with PayPal credit, easy to use, easy to access from my phone and it’s clear and user friendly. Reviewed on: 24th May 2024

I have used PayPal for 15 years and would highly rec...

I have used PayPal for 15 years and would highly recommend it. Reviewed on: 24th May 2024

Great option

I sometimes use this option and it allows me to reduce my daily costs. Reviewed on: 24th May 2024

Fast and easy application process

The application process is very easy and it’s fast. The credit is available within minutes and it’s very easy to use. Any website that has PayPal as payment will give that option of paying with credit. It’s very easy to set up payment plans. I only wish there was an actual card as well. Reviewed on: 24th May 2024

Overall good.

App works well and is quite intuitive. Credit approval process is efficient and streamlined. How they calculate outstanding balances and repayments on different credit products (eg. 4 months interest free purchase combined with a 24 month instalment plan) mixed together is not very clear. Reviewed on: 24th May 2024

It's helped with purchases that are expensive to me,...

It's helped with purchases that are expensive to me, giving me more time to pay off and interest free for 4 months. Reviewed on: 24th May 2024

PayPal Best Credit Provider

PayPal Credit offers several benefits that make it appealing to users: 1. Convenient Financing: PayPal Credit provides a revolving line of credit, allowing users to finance purchases and pay over time. This is especially useful for larger purchases that may be difficult to pay for upfront. Special Financing Offers: PayPal often offers special financing deals, such as no interest if paid in full within six months on purchases over a certain amount. These promotions can help users save on interest charges if they pay off the balance within the promotional period. Widespread Acceptance: Since PayPal is widely accepted by online merchants, users can take advantage of PayPal Credit at many retailers, enhancing its usability compared to store-specific credit options. Purchase Protection: Purchases made with PayPal Credit are often covered by PayPal’s purchase protection program, which can provide additional security and peace of mind when buying from online sellers. Credit Building: Responsible use of PayPal Credit can help users build or improve their credit score, as it reports to major credit bureaus. These benefits make PayPal Credit a flexible and useful option for many consumers looking for financing solutions. Reviewed on: 24th May 2024

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