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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th September 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 (181143)

I have been using PayPal for years now and I have ha...

I have been using PayPal for years now and I have had no issues whatsoever Reviewed on: 18th April 2026

Never had any issues with PayPal.

Never had any issues with PayPal. Feel it is a safe way to make a purchase Reviewed on: 18th April 2026

Excellent

Being able to use pay in three has been a blessing and enabled me to purchase higher priced items that I would nt have been able to do Reviewed on: 18th April 2026

Great service

I have used PayPal and it as been a smooth and easy way of paying for items Reviewed on: 18th April 2026

Sometimes account defaults to pay statement balance...

Sometimes account defaults to pay statement balance even when I set to pay minimum as I like to make payments as and when to suit me. Reviewed on: 18th April 2026

Very reliable, and easy to use.

Very reliable, and easy to use. Great stuff PayPal. Reviewed on: 18th April 2026

Very easy to use app and great customer support

Very easy to use app and great customer support Reviewed on: 18th April 2026

Fantastic service and easy to use

Fantastic service and easy to use Reviewed on: 18th April 2026

I’ve been using PayPal Credit for a while and it’s good

I’ve been using PayPal Credit for a while and it’s been helpful for spreading the cost of purchases, especially with the promotional interest-free periods. It’s quick to set up and easy to use at checkout, which makes it convenient when you don’t want to pay everything upfront. However, it’s also very easy to rely on it too much. If you’re not careful, the balance can build up quickly and the interest rates after the promotional period are quite high. The app does show what you owe, but I think it could be clearer about deadlines and repayments. Overall, it’s a good option if you’re disciplined and keep track of payments, but I wouldn’t recommend it for anyone who struggles with budgeting or impulse spending. Reviewed on: 18th April 2026

Amazing service and safe

Amazing and use PayPal for all my pay outs Reviewed on: 18th April 2026

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