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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181134 reviews)

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4.73

Based on 181,134 reviews, last reviewed 25th Aug 2026

2% increase in 5 star reviews

in the past 90 days

12% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use great service Easy to use great service. most retailers allow you to use PayPal. Reviewed on: 25th 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 (181134)

It's really handy being able to spread payments.

It's really handy being able to spread payments. It's very easy to pay off my balance. I like how seamless everything is. Reviewed on: 20th April 2026

It’s amazing for me last 6-7years good night using P...

It’s amazing for me last 6-7years good night using Paypal credit card Reviewed on: 20th April 2026

Paypal proves "Trustworthy financial security"

If I have had issues with vendor's in the past through PayPal payments, I have felt financially protected by their straight forward and visable approach too rectifying the situations. Reviewed on: 20th April 2026

PayPal credit

Just so easy to apply for and you earn points Reviewed on: 20th April 2026

Quick acceptance

Applied for funding for low value item and was accepted straight away. Reviewed on: 20th April 2026

Happy customer

Never have a problem with Paypall. Good and easy for me.Thanks Reviewed on: 20th April 2026

My review of PayPal credit

I’ve been using PayPal Credit for a while now and it’s been a really useful option when I’ve needed a bit of flexibility with payments. The main thing I like is how easy it is to use – if you already have a PayPal account, everything is integrated and straightforward, so there’s no complicated setup process. One of the biggest benefits for me is being able to spread the cost of purchases, especially for larger payments. It’s convenient having the option there at checkout, and it gives a bit of breathing room financially without needing to apply for something separate each time. The interface is clear, and I can easily keep track of what I owe and when payments are due. That said, it’s important to stay on top of payments. Like any credit option, if you’re not careful with repayments, the interest can add up quickly. I think this is something users need to be aware of, especially if they’re using it regularly. Overall, I’d recommend PayPal Credit to anyone who already uses PayPal and wants a simple, flexible way to manage purchases. As long as you use it responsibly, it’s a really handy tool to have available. Reviewed on: 20th April 2026

Generally easy to use credit and pay in 3 as well as...

Generally easy to use credit and pay in 3 as well as virtual card now an option. Reviewed on: 20th April 2026

Very good service I’m happy all service good

Very good service I’m happy all service good Reviewed on: 20th April 2026

My experience with PayPal credit has been excellent.

My experience with PayPal credit has been excellent. Both pay in 3 and pay later options have been easy to use. I also had a great experience with customer service when I called up to resolve an issue. Reviewed on: 20th April 2026

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