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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108452 reviews)

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4.90

Based on 108,451 reviews, last reviewed 16th May 2026

2656500% 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

Love that you can pay in 3 payments without any inte... Love that you can pay in 3 payments without any interest on top unlike most high interest credit cards Reviewed on: 16th May 2026

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th 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 (108452)

Review of the PayPal, PayPal Credit:

A must have!

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

Have always had great experiences especially when be...

Have always had great experiences especially when being contacted for credit payments and if there was fraudulent activity on my account they are quick to act and investigate. Only thing id like to improve is for a while I had issues with direct debit coming out for my credit account - even though I set one up for some reason it wouldn't come out even with money in my account. It seemed to not correctly set up the debit even though id enter all the information its like the paypal account would forget there was a debit attached and would ask for it repeatedly Reviewed on: 6th May 2026

Friendly and flexibility

“I’ve had a great experience using PayPal Credit. It’s super easy to use, especially when shopping online, and I like being able to manage payments in a way that suits my budget. Everything is clear and transparent, and I feel in control of my spending. Definitely a helpful option when I need a bit of flexibility.” Reviewed on: 6th May 2026

Just so easy to apply.

Just so easy to apply. Very quick and painless. Reviewed on: 6th May 2026

Paypal is very efficient when using it to do purchases.

Paypal is efficient when using it to do purchases and its very easy to use the PayPal App Reviewed on: 6th May 2026

Transactions are alway quick and easy.

Transactions are alway quick and easy. I had a dispute with a seller, and PayPal sucessfully resolved the matter for me. All in all paypal off an excellent service Reviewed on: 6th May 2026

I find the repaying of PayPal credit 0% for 4 months...

I find the repaying of PayPal credit 0% for 4 months very confusing. I wish there was an option to pay them off directly. It would help me keep on top of payments Reviewed on: 6th May 2026

It just works!

It just works. I've never had hassle, it's easy to use. Couldn't be better! Reviewed on: 6th May 2026

Customer service always very helpful

Customer service always very helpful regarding the situation. Easy checkout Reviewed on: 6th May 2026

very easy to use website/ gives you time to pay.

very easy to use website/ gives you time to pay/ means you don't have to put your credit card details in Reviewed on: 6th May 2026

A great way to spread cost interest free on big purc...

A great way to spread cost interest free on big purchases. Reviewed on: 6th May 2026

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