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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108494 reviews)

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4.90

Based on 108,494 reviews, last reviewed 16th May 2026

2658550% 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

PayPal highly recommend PayPal in 3 option, PayPal credit with 4 months to pay, reasonable interest 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.

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PayPal PayPal Credit reviews (108494)

No matter what PayPal is always there for you

No matter what PayPal is always there for you Reviewed on: 6th May 2026

PayPals pay in 3 has helped me so much.

PayPals pay in 3 has helped me so much. I recently moved house and the pay in three helped me buy the more expensive items I needed.. Not having the weight of a lot to pay off and especially all the paperwork just made pay in 3 the best way forward. Reviewed on: 6th May 2026

I never thought a fridge could become .....

I never thought a fridge could become the main character in my life story, but here we are. My old one decided to retire dramatically (probably to pursue a career in making weird noises), and suddenly I was facing the terrifying reality of warm milk and questionable leftovers. Enter PayPal Credit — aka my financial superhero in a very sleek digital cape. I’m not exaggerating when I say this credit option *saved my life* (or at least my groceries). The process was smoother than butter left out too long, and before I knew it, I had a brand-new fridge humming happily in my kitchen like it pays rent. And let’s talk about that **0% interest repayment plan**… honestly, it felt like the heavens cracked open just a little and whispered, “Go ahead, your wallet deserves peace.” My bank account stopped screaming, started breathing, and might even have written PayPal a thank-you note. Repaying it? Easy. No stress, no drama, no selling my soul or surviving on instant noodles for six months. Just calm, manageable payments that didn’t make me question all my life choices. In conclusion: PayPal Credit didn’t just help me buy a fridge — it restored balance to my kitchen, my budget, and possibly my emotional well-being. 10/10, would trust them again in any future appliance-related emergencies (washing machine, don’t get any ideas). Reviewed on: 6th May 2026

Really simple to use and has lots of benefits.

Really simple to use and has lots of benefits. Think it is easy to manage the credit and see how much is left to pay compared to other services. Reviewed on: 6th May 2026

Good finance provider with some permanent offers and...

Good finance provider with some permanent offers and some temporary Reviewed on: 6th May 2026

Easy and understandable

Never had a problem with PayPal and the app is easy to understand Reviewed on: 6th May 2026

It is very useful it helps me budget for large expen...

It is very useful it helps me budget for large expenses and it is easy to use. I have only used pay in three which I have found to be excellent Reviewed on: 6th May 2026

Perfect Paypal

I always use paypal credit, it allows you to pay for things over 4 months without any interest which is great. It's also very handy when purchasing larger items as you get a guarantee with it should anything go wrong. Paypal is always my first port of call when purchasing things. Reviewed on: 6th May 2026

Excellent

Had no problems using it absolutely love it Reviewed on: 6th May 2026

PayPal has its merits and you know it’s safe

PayPal has its merits and you know it’s safe Reviewed on: 6th May 2026

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