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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (100605 reviews)

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4.90

Based on 100,605 reviews, last reviewed 7th May 2026

2297250% increase in 5 star reviews

in the past 90 days

6700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

PayPal Credit is easy to use Safe and easy. Very easy to apply and use when you need a little extra time to pay so you don’t miss out on something. Reviewed on: 7th May 2026

Latest lowest rating:

1

Never had a problem with PayPal, use it for most pur... Never had a problem with PayPal, use it for most purchases as its great cover incase anything ever goes wrong with a purchase that I make , and the cu... Read more Reviewed on: 7th 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 (100605)

Life saver

I was able to get replacement products without having to go to payday loan sharks , helpful and easy to understand Reviewed on: 2nd June 2023

Paypal For life

Been very satisfied with PayPal Credit! Honestly PayPal Credit saved me a lot of times! Recommend! Reviewed on: 2nd June 2023

Easiness

Have been using Paypal Credit for over a year now and it is always clear and easy to make transactions using it Reviewed on: 2nd June 2023

Perfect way to spread cost

PayPal credit is one of the best payment plan facilities for paying over 4 months interest free for big purchases. Whilst on maternity leave when I’ve needed bigger items this has been a godsend being able to pay interest free over 4 instalments. Any issues and PayPal have the most outstanding customer services team. I’ve been using PayPal for all online purchases for 14 years now and I wouldn’t be without it! Security, protection and peace of mind with the encryption so your details aren’t stored to be stolen is great! Couldn’t recommend PayPal enough! Reviewed on: 2nd June 2023

Credit

Great choice to spread the cost for 4 months without %.Recommended Reviewed on: 2nd June 2023

Very reliable and helpful in times of dire need.

I love using paypal credit because it allows me to spread my payment for up to 6 months without interest. Also paypal can be use in a variety of purchases online and in store for various merchants. Reviewed on: 2nd June 2023

0% interest for 4 months

The 0% interest for 4 months offer is a very helpful resource. This has helped me in my payment plans Reviewed on: 2nd June 2023

Peace of mind

Knowing I have time to make my payment gives me a sense of peace Reviewed on: 2nd June 2023

So easy to use!

Really easy to use. Shopping online is a breeze Reviewed on: 2nd June 2023

first credit account/credit payment method

As my owe first credit account/ credit payment method, PayPal allows me to own this credit account to have longer time to pay for seasonal purchase. I give 4 stars is because I wish to have a virtual card so I could really use it for daily purchase to increase my credit score. Reviewed on: 31st May 2023

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