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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (104335 reviews)

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4.90

Based on 104,335 reviews, last reviewed 11th May 2026

2468650% increase in 5 star reviews

in the past 90 days

7300% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Have been with PayPal for many years they are very g... Have been with PayPal for many years they are very good the customer care is excellent i would recommend 100 percent Reviewed on: 11th May 2026

Latest lowest rating:

2

I’ve been a customer with PayPal maybe 20 years or m... I’ve been a customer with PayPal maybe 20 years or more never had any issues until recently I lost my debit card cancelled with my bank but must of af... Read more Reviewed on: 11th May 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 (104335)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I prefer to use PayPal to pay online.

I prefer to use PayPal as my means of payment online. It is reliable and offers protection in the payment process. The three in one and PayPal Credit options give me the possibility of making bigger purchases with no interest when I pay back on time. Reviewed on: 5th May 2026

Easy to use and always a trusted business, highly re...

Easy to use and always a trusted business, highly recommended Reviewed on: 5th May 2026

Never had a problem with paypal.

Never had a problem with paypal. Always good and fast service. Reviewed on: 5th May 2026

Great payment options and affordable installments.

Great payment options and affordable installments. Reviewed on: 5th May 2026

Great use of flexible credit, offers flexible paymen...

Great use of flexible credit, offers flexible payment options much better then the competition Reviewed on: 5th May 2026

Always easy to use and hassle free

Always easy to use and hassle free Reviewed on: 5th May 2026

I am so so so thankful for PayPal credit.

I am so so so thankful for PayPal credit. It is so easy to use, to purchase and to see what I owe and where I have been spending. I am also so grateful for the 4 month interest free timeframe that doesn’t require a payment every month in those 4 months. As someone who is freelance and doesn’t have a fixed salary, it really is a lifesaver!! I have the freedom to decide how I want to split the payment up in those months, or if I am struggling, pay it in full on the 4th. When I first used the credit and made the mistake assumption that it would automatically be taken out of my bank account but I was instead met with interest fees, I talked to a customer service representative and explained I thought it would come out automatically and they were so So Kind enough to remove the charge and explain how to set up a direct debit. I can not explain how thankful I was and how this amazing customer experience made me feel even more confident in using PayPal credit instead of another provider where the customer service makes you feel like it is your fault. I have not made the mistake since then. The only thing I would LOVE is a reward system like Amex or the British airways card. It would be amazing to have points that can be used for more purchases ! Reviewed on: 5th May 2026

Paypal is so handy for short term loans for home pro...

Paypal is so handy for short term loans for home projects etc and helps you keep track of it and borrow a limited amount so iys affordable to pay off during the interest free period Reviewed on: 5th May 2026

Best Retail Finanace

Easy to use and user freindly and secure. Reviewed on: 5th May 2026

Credit score

PayPal credit has really helped me increase my credit score especially now when I’m looking to buy a house it’s great to have Reviewed on: 5th May 2026

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