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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144803 reviews)

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4.73

Based on 144,793 reviews, last reviewed 24th Jun 2026

4319150% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great way to pay for goods and services. Been using PayPal for a long time. Never had any issue. Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 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 (144803)

Review of the PayPal, PayPal Credit:

A must have!

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

Good experience with customer services.

Good experience with customer services. Convenient Reviewed on: 13th June 2026

It has been an amazing experience

It has been an amazing experience Reviewed on: 13th June 2026

I use paypal for most of my online purchase.

I use paypal for most of my online purchase. Paypal credit is a great help to spread my payment interest free for a few months plus the added paypal purchase protection Reviewed on: 13th June 2026

Everything I buy online especially from eBay is via...

Everything I buy online especially from eBay is via PayPal, I can pay in full or installments if over a certain amount. This is a very good system. Reviewed on: 13th June 2026

Excellent service!

Excellent service! PayPal makes sending and receiving money quick, secure, and completely hassle-free. The app is easy to navigate, payments are processed smoothly, and I appreciate the extra security and buyer protection features. I’ve had a great experience using PayPal and would highly recommend it to anyone looking for a reliable and convenient payment platform. Reviewed on: 13th June 2026

Paypal leads the way

Paypal has always in my opinion been the best for customer service and the services they have to offer, I have very rarely had any issues however when I do PayPal has the issue sorted out within minutes of speaking to them. Other businesses should look at PayPal and aim to achieve the same Reviewed on: 13th June 2026

PayPal Credit - Mostly Terrible - Not The Worst

PayPal Credit is good value for money in the way that interest rates are low for their instalment plans. However, their mechanism for paying off purchases made using their PayPal Credit installment plans is horrific. They make it incredibly difficult to view and track your instalment purchases, and immensely difficult to pay off specific purchases. Oh, and if you happen to have an active instalment plan in place - let’s say with 10 months remaining - and you happen to use their general ‘4 months interest free’ option to buy something, you will unable to pay off that ‘4 months interest free’ purchase until any active ‘instalment’ purchases have been paid off, meaning you’ll be hit with their higher interest rate on that ‘4 months interest free’ purchase. Being unable to pay off specific purchases makes the service really quite terrible. Reviewed on: 13th June 2026

I find it very easy and useful to use ,...

I find it very easy and useful to use , Reviewed on: 13th June 2026

Fantastic

Super easy to use straight forward and handy to have everything in one place Reviewed on: 13th June 2026

Pay with PayPal

It is great to pay quick and easy with PayPal. Improvement: allow automatic manual online reduction of PayPal credit. Reviewed on: 13th June 2026

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