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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 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 (181120)

Great overall experience and support

Great overall experience and support Reviewed on: 22nd April 2026

Paying for my new phone reasonable over 18 months.

Paying for my phone reasonable over 18 months. everything is straightforward (as the payments are taken from my card through the PayPal app). Easy to set up, easy to manage payments, no problems experienced. If only all banking was easy! Reviewed on: 22nd April 2026

Always a great service to use love the 0% interest o...

Always a great service to use love the 0% interest on over three payments and easy to raise disputes with refunds and any outstanding monies Reviewed on: 22nd April 2026

I’ve not had any poor experiences while using PayPal...

I’ve not had any poor experiences while using PayPal credit, it’s simple to use and efficient too, I use mostly for eBay purchases Reviewed on: 22nd April 2026

I use PayPal for most of my online shopping.

I use PayPal for most of my online shopping. It is very easy to use. I occasionally use the pay in 3 option which gives me a greater flexibility for larger purchases. Reviewed on: 22nd April 2026

Quick easy and efficient.

It has always been, quick easy and efficient. Excellent customer service if anything goes wrong too. Reviewed on: 22nd April 2026

Very easy and reliable.

Very easy and reliable. I would highly recommend it. Reviewed on: 22nd April 2026

Always had a good experience when talking to an agen...

Always had a good experience when talking to an agent what more can one say our agents are always polite friendly and helpful Reviewed on: 22nd April 2026

Easy to manage the app, Paypal credit and the pay in...

Easy to manage the app, Paypal credit and the pay in 3 come in very handy Reviewed on: 22nd April 2026

PayPal’s my payment pal!

I get a better interest rate than on my credit card. Options like pay in 3 make it easy to spread the cost over time. Rewards scheme is brilliant Reviewed on: 22nd April 2026

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