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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (90722 reviews)

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4.91

Based on 90,722 reviews, last reviewed 30th Apr 2026

1843150% increase in 5 star reviews

in the past 90 days

10400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Good gquality All good about PayPal no issues. Highly recommended Reviewed on: 30th April 2026

Latest lowest rating:

2

Wish I had used a different company The app can malfunction leaving you unable to pay off your credit until you have access. The complaints procedure is almost as bad as PayPal Debit, di... Read more Reviewed on: 30th 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 (90722)

PayPal credit

Very good service and so handy and you can use it in lots of places Reviewed on: 24th April 2026

Peace of mind when paying by paypal!

Peace of mind when paying by paypal! Reviewed on: 24th April 2026

I am Very happy with paypal.

I am Very happy with paypal. Everything is smooth Reviewed on: 24th April 2026

Paypal have okay rates, but perhaps fallen behind th...

Paypal have okay rates, but perhaps fallen behind the curve. Their customer support is still good. Reviewed on: 24th April 2026

Easy to use app and information.

Easy to use app and information. Good communication Reviewed on: 24th April 2026

Great for Flexibility, Not for Long-Term Debt

I’ve been using PayPal Credit for a while now, and overall it’s been a useful option, but it’s not without its downsides. One of the biggest benefits is the flexibility. Being able to spread the cost of purchases, especially with the “0% interest for 4 months” offers, makes it easier to manage larger expenses without paying everything upfront. The application process was quick, and once approved, it integrates seamlessly with PayPal at checkout, which is very convenient. Another plus is that it’s widely accepted anywhere PayPal is, so you’re not limited to specific retailers. The interface is also straightforward, you can easily track your balance, due dates, and payments through your PayPal account. However, there are some drawbacks to be aware of. If you don’t pay off the balance within the promotional period, interest can be quite high, and it’s often applied retrospectively, which can catch people off guard. The repayment terms aren’t always as transparent as they could be, so you need to read the fine print carefully. Also, missing a payment can lead to fees and negatively impact your credit score. In terms of usability, it’s best suited for people who are disciplined with repayments and can clear balances within the interest-free period. If not, it can quickly become expensive. Overall, PayPal Credit is a convenient and helpful tool when used responsibly, but it requires careful management to avoid unnecessary interest and fees. Reviewed on: 24th April 2026

Great easy and convenient way to pay

Great easy and convenient way to pay Reviewed on: 24th April 2026

Very easy to use, and the interest free period is ge...

Very easy to use, and the interest free period is generous. Reviewed on: 24th April 2026

Great at dealing with issues relating to copy

Great at dealing with issues relating to copy Reviewed on: 24th April 2026

Good easy to use, user friendly.

Good easy to use, user friendly. I have an account since 2017 never had any issues which couldn’t be resolved. Easy simple access which makes it easy to use the app Reviewed on: 24th April 2026

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