Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108964 reviews)

View other PayPal products

4.90

Based on 108,964 reviews, last reviewed 17th May 2026

2680200% increase in 5 star reviews

in the past 90 days

7900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Super easy and convenient! Super easy and convenient! Helps with managing purchases and the ease of use of the process is awesome! Reviewed on: 17th May 2026

Latest lowest rating:

1

Every time I go use my PayPal credit card it gets de... Every time I go use my PayPal credit card it gets declined. Which is embarrassing. Reviewed on: 17th May 2026

Read all reviews See your review

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 (108964)

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

Great payment method

So easy to pay for most things, and pay in three is handy every now and then. Reviewed on: 6th May 2026

I absolutely love PayPal credit.

I absolutely love PayPal credit. .i couldn’t be without it. Reviewed on: 6th May 2026

Good credit terms

Credit terms without interest gives me the needed flexity to plan my purchases Reviewed on: 6th May 2026

PayPal is a fantastic and easy service to use.

PayPal is a fantastic and easy service to use. I highly recommend it to anyone. Reviewed on: 6th May 2026

I've not needed to contact but can do almost everyth...

I've not needed to contact but can do almost everything in the app. Never had any problems and long may it continue Reviewed on: 6th May 2026

I’ve used PayPal Credit for several large purchases,...

I’ve used PayPal Credit for several large purchases, and the main benefit is the 6 months special financing on purchases over $149. It’s easy to apply, approval is quick, and it integrates seamlessly with your PayPal account at checkout. What I liked: · No annual fee and no interest if you pay in full within 6 months. · Instant approval and automatic addition to your PayPal wallet. · Helpful for budgeting big expenses like electronics or furniture. Drawbacks: · If you miss the 6-month payoff date, deferred interest is charged on the full original amount — not just the remaining balance. · The app interface doesn’t make the due date as obvious as I’d like. · High APR after any promo period ends (around 20–25%). Final verdict: Great tool for short-term, interest-free borrowing if you’re disciplined about paying on time. Not ideal for carrying a balance long-term. Honestly, it’s saved me in a pinch, but read the terms carefully so you don’t get surprised by backdated interest. Reviewed on: 6th May 2026

So far it has been very good.

So far it has been very good. Nothing to complaint Reviewed on: 6th May 2026

Easy transaction, fast and reliable.

Easy transaction, fast and reliable. PayPal is always simple and easy to use, great option when you wish to split the costs. Reviewed on: 6th May 2026

credit experience

excellent experience . good value for money Reviewed on: 6th May 2026

I really like the 'one step' away from my bank account

I really like the 'one step' away from my banking account and not sharing my core bank account details with unknown companies. With the new PayPal+ and debit card there are good rewards. The credit options (pay in 3 and 0% for 4months) are both really useful for those slightly larger payments. Reviewed on: 6th May 2026

Alternative products

Loan
from Snap Finance 4.90 from 369 reviews
Payments
from PayPal 4.91 from 3719 reviews
Better Off Calculator
from Policy in Practice 4.78 from 495 reviews

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub