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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 121,462 reviews, last reviewed 7th Jun 2026
3258200% increase in 5 star reviews
in the past 90 days
9700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
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0%
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0%

Latest highest rating:

5

Works like a charm Paypal credit is amazing for the big stuff, with 4 months interest free its great for dealing with the unexpected Reviewed on: 7th June 2026
Joe's avatar
Joe

Latest lowest rating:

2

Worst credit available. Its very limitted for credit and most of the time its not even working when you try to pay via paypal credit its frusrrating. Also there is no clear c... Read more Reviewed on: 6th June 2026
Graniel's avatar
Graniel
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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 (121462)

Convenient and Flexible, But Use With Discipline

5
I’ve been using PayPal Credit for a few years now and it’s been a useful tool — especially for spreading out larger purchases without interest (as long as you clear the balance in the offer window). One of the standout features is the 0% interest for 4 months on purchases over a certain amount, which can be really helpful if you’re managing cash flow. The application process was simple and the integration with PayPal makes it very easy to use — you just check out as normal and select PayPal Credit. The interface is clear and payments are easy to track, with reminders and notifications that help you stay on top of it. That said, the standard interest rate is quite high if you don’t pay off the balance within the 0% period, so it’s important to be disciplined. It’s also not accepted outside of PayPal, so you’re limited to merchants that support it. Overall, I’d recommend it if you’re confident you can pay things off within the interest-free period — it’s convenient, fast and flexible. But it’s not a long-term borrowing solution. Use it wisely and it works well. Reviewed on: 29th May 2025
Huseyin's avatar
Huseyin

Paypal credit has given me more freedom with money a...

5
Paypal credit has given me more freedom with money allowing me to make expensive much needed purchases and pay them off at affordable amounts each month. I am great at budgeting however i am not someone who has large amounts of money aside for when bigger purchases are needed so paypal credit had been a great support. Reviewed on: 29th May 2025
CD's avatar
CD

Great experience each time I use it, plenty of optio...

5
Great experience each time I use it, plenty of options to choose how and when to pay Reviewed on: 29th May 2025
Michelle Bennett's avatar
Michelle Bennett

PayPal it's safest and greatest app.

5
PayPal it's safest and greatest app. Using for years it's so user friendly. Simply 5-star Reviewed on: 29th May 2025
Piotr S's avatar
Piotr S

Awesomely safe

5
It's really been wonderful expecially security wise Reviewed on: 29th May 2025
mobolaji l's avatar
mobolaji l

I think PayPal credit is a great flexible tool to...

4
I think PayPal credit is a great flexible tool to use Reviewed on: 29th May 2025
Jo 's avatar
Jo

PayPal Credit is a lifesaver!

5
PayPal Credit is a great to have and very useful if you need to make big online purchases, such as gifts, and allows you to spread the cost over months and choose how much to pay when you can. Reviewed on: 29th May 2025
Brad's avatar
Brad

Excellent service

5
Wonderful experience with their service Reviewed on: 29th May 2025
Ihechi K's avatar
Ihechi K

I haven’t had any issues with PayPal including m sen...

5
I haven’t had any issues with PayPal including m sending money, using PayPal credit pay in 3 and pay in 4 Reviewed on: 29th May 2025
gary S's avatar
gary S

Very helpful and good rates with opportunities for p...

5
Very helpful and good rates with opportunities for paying in instalments. Reviewed on: 29th May 2025
Sarah 's avatar
Sarah

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