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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (89715 reviews)

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4.90

Based on 89,715 reviews, last reviewed 29th Apr 2026

1795800% increase in 5 star reviews

in the past 90 days

10200% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Super helpful if you need to contact them Super helpful if you need to contact them Reviewed on: 29th April 2026

Latest lowest rating:

1

Very pleased with the service. Very pleased with the service. Very helpful in some situations. Reviewed on: 29th 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.

PayPal PayPal Credit reviews (89715)

Review of the PayPal, PayPal Credit:

A must have!

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

It’s great for sending presents and cash to my famil...

It’s great for sending presents and cash to my family overseas! My sons and grandchildren live inNorth America and it’s a quick simple process! Reviewed on: 23rd April 2026

Really good interactions when I have needed to speak...

Really good interactions when I have needed to speak with them. No issues so far, and can’t foresee any issues moving forward. Will definitely continue using them for purchases as I have done already for several years. Will also be more inclined to use companies that have PayPal as a payment option Reviewed on: 23rd April 2026

The payments are quick and accurate. ...

The payments are quick and accurate and the interest charged on PayPal Credit is reasonable also. Reviewed on: 23rd April 2026

Really enjoying being able to buy expensive items an...

Really enjoying being able to buy expensive items and pay it back at little affordable amounts Reviewed on: 23rd April 2026

Excellent service without any Hassel.

Excellent service without any Hassel... PayPal is there when needed... Reasonable interest rates. I will start to purchase by using paypal debit card Reviewed on: 23rd April 2026

Simple and easy to use.

Simple and easy to use. Communication regarding upcoming payment is recieved well in advance Reviewed on: 23rd April 2026

All good, I am happy with PayPal

All good, I am happy with PayPal Reviewed on: 23rd April 2026

Easy to use, but be careful

I have been using PayPal Credit for a while now and overall the experience has been mixed. On one hand, it is very convenient for spreading the cost of purchases and the application process was quick and straightforward. It can be useful in short-term situations when you need flexibility. However, there are some important downsides. The terms and conditions are not always clearly explained, especially regarding interest charges after promotional periods. If you are not very careful, it is easy to end up paying more than expected. Customer service can also be inconsistent — sometimes helpful, but other times slow or unclear in their responses. In my opinion, PayPal Credit can be a good tool if used responsibly and with full understanding of the terms. But it is not something I would recommend for everyone, especially if you are not confident managing repayments closely. Reviewed on: 23rd April 2026

Never had a problem that PayPal hasn't help fix an...

Never had a problem that PayPal hasn't help fix and luckily that's only been twice! PayPal is definitely the company to be with, so easy and very protected. Reviewed on: 23rd April 2026

Very good

Good over all there when you need it etc Reviewed on: 23rd April 2026

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