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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 142,961 reviews, last reviewed 19th Jun 2026
4235800% increase in 5 star reviews
in the past 90 days
12150% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

4

every time so a long time, always good every time good time, no stress, no hassle.using for a long time, always good deal, extra savings. i think to get another car from PayPal. making my... Read more Reviewed on: 19th June 2026
Ahmed 's avatar
Ahmed

Latest lowest rating:

1

You're better off getting a Money transfer elsewhere! PayPal takes way too long to update accurately the payments made to PayPal credit. This is ridiculous. will not use PayPal Credit again, better off ge... Read more Reviewed on: 19th June 2026
PayPal Sucks's avatar
PayPal Sucks
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (142961)

I cannot thank PayPal enough for being there for me...

5
I cannot thank PayPal enough for being there for me when I went through a difficult period of unemployment and faced serious financial difficulties. PayPal Credit was a real lifeline, allowing me to purchase essential items online that I otherwise simply couldn't afford at the time. The 4-month 0% interest offer and the 'Pay in 3' options really helped me manage my budget when things were tight. What I appreciated most was the complete lack of hassle—I didn't have to fill in the annoying, endless forms you usually face when applying for traditional bank loans. PayPal was just there for me when I needed it most, and I will always be grateful for the support and peace of mind it provided. Reviewed on: 11th June 2026
Vadim's avatar
Vadim

I can depend on the PayPal credit card.

5
I can depend on the PayPal credit card when purchasing items, it allows oneself time to pay without incurring interest as it allows 0% for4 months. Its flexibility is important as I may need to purchase costly goods giving me time time to complete the payment. Reviewed on: 11th June 2026
Goldiedawn76's avatar
Goldiedawn76

Excellent benefits!

5
Excellent benefits! Smooth using even for the less computer illiterate. Reviewed on: 11th June 2026
Jenny B's avatar
Jenny B

PayPal credit is okay..

4
PayPal credit is okay but it's difficult to have a conversation with customer service without going round in circles. I've used it for a while now and to be honest I wish I hadn't got it. I can just about keep up with payments and interest has gone up too. Reviewed on: 11th June 2026
Anonymoustipoff's avatar
Anonymoustipoff

Excellent service

5
Good overall experience and customer satisfaction Reviewed on: 11th June 2026
Sarah 's avatar
Sarah

PayPal Best Retail Finance Provider

5
When it comes to retail finance, a provider needs to strike a perfect balance between widespread merchant availability, flexible payment options, and robust consumer protection. PayPal achieves exactly this, positioning itself as a top-tier provider for modern consumers looking to manage their budgets effectively. Reviewed on: 11th June 2026
Tudor T's avatar
Tudor T

Convenient and Easy way of paying.

5
Is easier paying through paypal and the 3 installment is a good way to spread the cost of purchased goods or services. Reviewed on: 11th June 2026
Claudine 's avatar
Claudine

Super easy to use!

5
Super easy to use and also very quick to find answers to any questions. Have used multiple times and have had no issues. Also good that you can quickly access the available amount and see how much is owed. You also get a monthly statement which is helpful to keep track of spending Reviewed on: 11th June 2026
S Higg's avatar
S Higg

It’s easy and hassle free to use.

5
It’s easy and hassle free to use. Once set up it’s just tap to pay Reviewed on: 11th June 2026
Annalise w's avatar
Annalise w

PayPal Credit handy wallet

5
PayPal Credit has come very handy when needed. Easily added to Google pay cards and can pay touch and go instantly. Really pleased! Reviewed on: 11th June 2026
Kozeta Cox's avatar
Kozeta Cox

Review PayPal: PayPal Credit now

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