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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

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4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

PayPal has been my main method of payment for online...

PayPal has been my main method of payment for online purchases and for receiving money for years. Even though I have the funds to pay for items in full, I frequently use the pay in 3 method to soften the blow or to not feel like I’m spending too much in one go. I think it’s fantastic. Reviewed on: 18th April 2026

Paypal has many features with great perks and easy t...

Paypal has many features with great perks and easy to use and navigate. Pay in 3 and over four months is very useful. Also the new debit and credit cards are a great new addition with the added bonus now of points you earn which you can then spend. Reviewed on: 18th April 2026

Good with major caveats

I like almost all features of PayPal. However, not allowing you to convert your own received money through your bank provider is a big downer. Also, the delays in the online deposits to appear in your account is unreasonable and confusing. I often loose track of activity on the app, especially for PayPal credit. Thanks Reviewed on: 18th April 2026

Good value for money and always there when is needed

Good value for money and always there when is needed Reviewed on: 18th April 2026

PayPal is excellent, puts me in control of my spend...

PayPal+ is excellent, puts me in control of my spending in all places. I like earning points across any of my bank accounts. I found paypal credit slightly awkward to use as auto payments can be setup that don’t match the expected payment dates by default and I was charged interest. I stopped using this facility as this was just awkward. Reviewed on: 18th April 2026

Always easy to use, and convenient

Always easy to use, and convenient Reviewed on: 18th April 2026

Never had an issue with PayPal.

Never had an issue with PayPal. Good app and easy to manage Reviewed on: 18th April 2026

Easy and clear to use and in full control of payments.

Easy and clear to use and in full control of payments. The ability to use a linked credit card is a game changer for four months free credit Reviewed on: 18th April 2026

Trust worthy, easy to use and reliable company

Trust worthy, easy to use and reliable company Reviewed on: 18th April 2026

No problems all the way through the process

No problems all the way through the process Reviewed on: 18th April 2026

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