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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148158 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd July 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.

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PayPal PayPal Credit reviews (148158)

Eazy Breezy

Easy to understand the T&C's. Useful Reviewed on: 15th June 2026

Safe and secure borrowing and online payment.

Safe and secure borrowing and online payment. Very easy to make overpayments using the app Reviewed on: 15th June 2026

Easy, safe and simple to use.

Easy, safe and simple to use. If the website or service im using has the paypal all the time I pay through it. I like that they do pay in 3 option if you spend the minimum amount needed for that. Paypal credit is nice to pay over longer periods Reviewed on: 15th June 2026

Flexible payments

Keep your payments up to date and this is an excellent flexible way to pay online. With multiple choices of instant, pay in 3 or plain pay later for larger purchases, there’s an method to suit all your buys. Reviewed on: 15th June 2026

Love the flexibility PayPal credit provides!

Love the flexibility PayPal credit provides! Reviewed on: 15th June 2026

Good, convenient and fast service

Good, convenient and fast service Reviewed on: 15th June 2026

Excellent for getting them things you couldn't affor...

Excellent for getting them things you couldn't afford in a lump sum, easy straight forward clear service. Highly recommend Reviewed on: 15th June 2026

PayPal is a great way to shop.

PayPal is a great way to shop. It's safe and secure, and I don't have to pay the entire amount at once. I can split the payment into three installments. Reviewed on: 15th June 2026

Overall good service.

Overall good service. Offers a good plan Reviewed on: 15th June 2026

I love that you can split payments with paypal, and...

I love that you can split payments with paypal, and without being charged interest! It makes things so much easier to pay off. Reviewed on: 15th June 2026

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