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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108142 reviews)

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4.90

Based on 108,142 reviews, last reviewed 16th May 2026

2642550% increase in 5 star reviews

in the past 90 days

7700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

had a very positive experience with PayPal Credit. had a very positive experience with PayPal Credit. During COVID, I lost my job and was struggling financially. PayPal Credit supported me by not charg... Read more Reviewed on: 16th May 2026

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th 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 (108142)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Easy to use and has saved me sooo many times on gett...

Easy to use and has saved me sooo many times on getting the things I have wanted but just couldn’t afford to purchase outright. Reviewed on: 6th May 2026

Helps me so much with financial stress!

Super easy to use, helps me so much with lifting the financial burden when purchasing online. I'm so grateful to have PayPal Credit to hand as I'm travelling soon and need all the help I can get! Reviewed on: 6th May 2026

PayPal credit: Always easy and straightforward.

Always easy and straightforward. Reviewed on: 6th May 2026

Customer service was a great help for me and sorted...

Customer service was a great help for me and sorted problems Reviewed on: 6th May 2026

All Credit Goes to PayPal Credit

I’ve honestly had such a great experience with PayPal Credit. It’s been really reliable whenever I’ve needed a bit of flexibility, especially for unexpected purchases or spreading out costs without stress. The whole process is straightforward, payments are easy to manage, and everything feels transparent. What really stands out as well is the customer service — they’ve always been helpful, responsive, and never disappoint. It just gives that extra peace of mind knowing support is there when you need it. As long as you stay on top of repayments, it’s such a useful financial tool. Definitely something I’ve come to rely on and genuinely appreciate. Reviewed on: 6th May 2026

5* PayPal

I have always liked using PayPal it is an easy way to pay for things and it every transaction feels safe. Customer service is always amazing also. Reviewed on: 6th May 2026

Fast, safe, and super convenient

Fast, safe, and super convenient — PayPal is honestly one of the best payment services I’ve ever used. Smooth transactions every time! Reviewed on: 6th May 2026

Great, Easy, Safe, Affordable

Really handy affordable and easy service to use. Pay in 3 is brilliant to spread the costs and its great that so many merchants accept Paypal as a form of Payment Reviewed on: 6th May 2026

Convenient and Flexible but Best Used Responsibly

I’ve been using PayPal Credit for a while now, and overall it’s been a convenient way to spread the cost of larger purchases. The application process was quick, and I like how easy it is to manage payments directly through my PayPal account. The option for 0% interest on qualifying purchases is especially helpful if you’re organised with repayments. That said, it’s important to stay on top of payment dates because interest charges can become expensive if balances aren’t cleared in time. Credit products also aren’t for everyone, and they can become risky if you borrow more than you can comfortably afford to repay. I think it’s best used as a tool for planned purchases rather than impulse spending. Customer service has been decent in my experience, and resolving issues is usually very efficient. Overall, PayPal Credit is a useful option for flexible online spending, particularly for people who already use PayPal regularly. I’d recommend it for short-term financing, as long as you borrow responsibly and understand the terms. Reviewed on: 6th May 2026

PayPal has been a life saver when needing purchases...

PayPal has been a life saver when needing purchases at short notice and being able to spread the cost over a period of time. It's easy to use and convenient and regularly inform of pay dates. I've found it to be an excellent and balanced way to purchase and payback. Reviewed on: 6th May 2026

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