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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (105536 reviews)

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4.90

Based on 105,536 reviews, last reviewed 13th May 2026

2523850% 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

It’s easy to use and everything is very clear, espec... It’s easy to use and everything is very clear, especially the pay in 3. Reviewed on: 13th 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 (105536)

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

convenient and easy

I’ve found PayPal Credit really convenient for spreading the cost of purchases, especially with the 0% interest offers. It’s easy to use at checkout and gives good flexibility with repayments. That said, the interest rates are quite high if you don’t pay it off in time, so you need to stay on top of it. Minimum payments are low, which can be a bit misleading if you’re not careful. Overall, it’s a useful option for short-term spending, but only if you manage it responsibly Reviewed on: 5th May 2026

Very helpful

Very straight forward. Explained queries I had before committing to it. Would highly recommend to anyone. Reviewed on: 5th May 2026

Easy usai

Quick and Easy to Use. Less time consuming Reviewed on: 5th May 2026

Nothing to say about this product its the best

Nothing to say about this product its the best Reviewed on: 5th May 2026

Easy interest free credit

I was able to get interest free credit to enable me to purchase essential items for my home whilst spreading out the cost. And it was very simple to do! Reviewed on: 5th May 2026

Controlled Borrowing

This is the only borrowing I have ever done that hasn’t spiralled out of control. Thank you PayPal, I needed the guidance and that is what you get Reviewed on: 5th May 2026

Always worked for me and safe to use

Always worked for me and safe to use Reviewed on: 5th May 2026

Very good and good rewards with PayPal plus

Very good and good rewards with PayPal plus Reviewed on: 5th May 2026

Simple and straightforward

Have never had an issue with gaining PayPal Credit, straightforward and easy to apply for and set up. Even better that there is an interest free period and then simple to set a direct debit so your are not being overcharged. Easy to read T&Cs so the customer is informed. Have never had to use customer service as there has never been an issue. Used a few times now for big purchases such as white goods, washing machine & mattresses. Would recommend as a simple and easy process, better than the high street lenders! Reviewed on: 5th May 2026

Very good with excellent customer service

Very good with excellent customer service Reviewed on: 5th May 2026

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