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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (77354 reviews)

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4.90

Based on 77,354 reviews, last reviewed 19th Apr 2026

2448600% increase in 5 star reviews

in the past 90 days

6900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Excellent Excellent and easy to use through app. Reviewed on: 19th April 2026

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th 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 (77354)

Question of ethics

Probably as ethical as a money lender can be. I would maybe set more prompts to remind of payments to avoid fees but to be honest they are better than a lot of other providers already. Only downside is you are unable to reduce your borrowing limit or close the credit account with closing your entire account(unless I am not seeing the close credit option). I’m sure this may have put people in precarious situations. Reviewed on: 27th May 2024

Excellent customer service

Excellent customer service. They were happy to help and quickly resolved an issue I had. Reviewed on: 27th May 2024

Easy to use .

Easy to use . Good value if you make the payments and safe to use . It makes paying for larger purchases so much easier . Really recommend PayPal Credit Reviewed on: 27th May 2024

Great service.

3 months free credit on purchases over £100. Protects you at every stage. Easy to manage with the same paypal app. Only down side is not being able to use it in shops. There are options for that if you link to another service, but there is a charge for that. So i will stick with using it for online shopping only. Apart from that, perfect service. Reviewed on: 27th May 2024

Convenient and Reliable Credit Option

I've been using PayPal Credit for several months now, and it has become an invaluable part of my financial toolkit. The application process was straightforward and quick, and I was able to start using my credit line immediately. The flexibility it offers for online purchases is fantastic, especially for unexpected expenses or larger purchases I need to spread out over time. One of the standout features is the promotional financing options, which often allow for interest-free periods if the balance is paid off within a certain timeframe. This has saved me money and made it easier to manage my budget. Additionally, integrating PayPal Credit with my existing PayPal account was seamless, making it extremely convenient to use at a wide range of merchants. Overall, PayPal Credit has provided a reliable and user-friendly credit solution that I would highly recommend to anyone looking for a flexible and trustworthy credit option. Reviewed on: 27th May 2024

Fast, convenient and efficient.

Fast, convenient and efficient. PayPal is my go to to send and receive money quickly between friends, vendors and bigger businesses. 4 months interest free is a super way to make your money go a little further too on credit purchases. Reviewed on: 27th May 2024

Paypal is the best.

Paypal is the best. I'm using it all the time Reviewed on: 27th May 2024

Great for saving with early plane tickets

I bought 3 planets tickets to Japan using this and paid it off interest free over a few months. This helped me save a lot of money in flight costs. The only downsides I experienced were with a friend canceling and getting partially refunded. The amount appeared in my credit as a negative balance but I had to contact support to get it withdrawn to my wallet. Reviewed on: 27th May 2024

Really good.

Really good. Easy to use I use PayPal credit and it works for me Reviewed on: 27th May 2024

Sohail raza

I have good experience . I recommend friends and family Reviewed on: 27th May 2024

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