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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181128 reviews)

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4.73

Based on 181,128 reviews, last reviewed 19th Aug 2026

11% increase in 5 star reviews

in the past 90 days

26% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Good service Great but difficult to talk to a real person Reviewed on: 19th 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 (181128)

Simply the best in their class

Never had any issues in the 20 years I have used them. Very easy to use and great short term credit Reviewed on: 21st April 2026

Good fast way to transfer and manage your money

Good fast way to transfer and manage your money Reviewed on: 21st April 2026

A payment source that you can trust

Been using PayPal credit for a number of years now and it makes it so easy to checkout with a trusted service that I know will have my back if anything is amiss. Reviewed on: 21st April 2026

Simple, Convenient and Reliable

PayPal Credit is genuinely convenient when you need a bit of breathing room financially. The app is straightforward to navigate, which makes managing payments and checking your balance quick and stress-free. I also like that there are rewards or points each time you use the credit—it adds a little extra value to everyday spending. That said, it’s still important to stay mindful of interest rates and repayment terms, as those can catch you off guard if you’re not paying attention. Overall, it’s a helpful option for short-term flexibility, especially if used responsibly. Reviewed on: 21st April 2026

It’s been largely positive except when I have bought...

It’s been largely positive except when I have bought items on EBAY and needed to complain. I have found both companies not always aligned. Reviewed on: 21st April 2026

Easy hassle free secured.

Easy hassle free secured.Made my life so much easier.Flexible payment option Reviewed on: 21st April 2026

Very easy to use the app and great service

Very easy to use the app and to create virtual cards. The reward scheme is excellent and I have already earnt money by just using PayPal for my normal spending. You feel protected using PayPal and i have used their service to claim back money where the company i was using failed me. Reviewed on: 21st April 2026

Highly recommended for long-term users

I’ve been using PayPal for over 10 years now, and thanks to their service, I’ve been able to acquire all my gear without any issues—from my perfect photography equipment to a new smartphone and TV. Reviewed on: 21st April 2026

Quick and easy to use.

Quick and easy to use. Would highly recommend to anyone Reviewed on: 21st April 2026

Easy to use and understand, user friendly

Easy to use and understand, user friendly Reviewed on: 21st April 2026

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