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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (105239 reviews)

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4.90

Based on 105,239 reviews, last reviewed 12th May 2026

2509950% increase in 5 star reviews

in the past 90 days

7400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal credit PayPal credit easy to use, send emails near time for payment Reviewed on: 12th May 2026

Latest lowest rating:

1

Not good at all, Paypal is highly Not recommended I've been a loyal customer with this company for more than 10 years and I noticed a critical decline in the quality of customer service, who are mostl... Read more Reviewed on: 12th 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 (105239)

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

Easy to use, great to spread the cost

I've found PayPal easy to use, great to spread the cost. I also appreciate that I can choose to pay out of my bank account rather than always on my credit card. Statements are easy to access and understand Reviewed on: 5th May 2026

PayPal variety of options for paying interest free o...

PayPal variety of options for paying interest free over a period of time is unmatchable by any other financial provider. Using the Pay In 3 option helps to pay in small amounts of time without forgetting an instalment and the interest free offer of four months on many purchases is another very attractive option. PayPal provides flexibility unlike most other lenders Reviewed on: 5th May 2026

Simple and quick.

Simple and quick. Saved £40 joining. Reviewed on: 5th May 2026

Amazing Service

Absolutely amazing experience. Love PayPal so much! Best way to send money and spend safely. Reviewed on: 5th May 2026

My experience with PayPal has been excellent.

My experience with PayPal has been excellent. The platform is very reliable, secure, and easy to use. Transactions are fast, and I feel confident managing my payments through PayPal. Their customer support is also helpful and responsive whenever needed. Overall, I am very satisfied with the service and would highly recommend PayPal to others. Reviewed on: 5th May 2026

Everything professional and clear.

Everything professional and clear. Reviewed on: 5th May 2026

Great overall no extra charge high recommended

Great overall no extra charge high recommended Reviewed on: 5th May 2026

Easy and quick to do

Easy and quick to do, payments and APR are very reasonable Reviewed on: 5th May 2026

Paypal is the most trusted credit source

Paypal is the most trusted credit source Reviewed on: 5th May 2026

Easy to use but interest adds up quickly

I’ve found PayPal Credit really convenient for spreading the cost of purchases, especially for larger payments when needed. The application process was quick and straightforward, and it’s easy to manage everything through the app. That said, you do need to stay on top of payments and understand the terms, as the interest can add up quite quickly if you don’t clear the balance within the promotional period. It’s useful if used carefully, but I wouldn’t rely on it long-term. Overall, a helpful option for flexibility, just make sure you’re aware of the repayment terms before using it. Reviewed on: 5th May 2026

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