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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (140264 reviews)

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4.73

Based on 140,264 reviews, last reviewed 16th Jun 2026

4113500% increase in 5 star reviews

in the past 90 days

11650% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always accessible and easy to use. Always accessible and easy to use. Reviewed on: 16th June 2026

Latest lowest rating:

1

PayPal Credit - AVOID PayPal Credit is an extremely unhealthy and non-consumer friendly credit service. Payments take forever to process and your balance doesn’t update eve... Read more Reviewed on: 15th June 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.

PayPal PayPal Credit reviews (140264)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

reliable and always friendly

Always reliable and always friendly when I need some help Reviewed on: 9th June 2026

Chat bots are frustrating, using PayPal credit didn’...

Chat bots are frustrating, using PayPal credit didn’t give me the same protection I would have got from other credit card companies. The complaints process was a series of AI generated messages that benefitted the seller and not me as the buyer. I paid for something on credit that wasn’t what I ordered and PayPal weren’t helpful Reviewed on: 9th June 2026

Seamless experience

Really quick and easy to setup and approval was also quick Reviewed on: 9th June 2026

Easy to apply & fast decision upon applying.

Easy to apply & fast decision upon applying. Credit limit offered is reasonable. Reviewed on: 9th June 2026

Very good app, easy to use, would recommend

Very good app, easy to use, would recommend Reviewed on: 9th June 2026

my only problem

The only problem I have with PayPal is not having the ability to apply payments to certain transactions (ie( purchases made over say 4 months . it seems i have to pay of my full balance to avoid interest. I hope this makes sence Reviewed on: 9th June 2026

Very easy to use and maintain a good standing.

Very easy to use and maintain a good standing. Had no issues in all the years of using Paypal Credit Reviewed on: 9th June 2026

Excellent Experience with PayPal Credit

I use PayPal Credit frequently, and it has genuinely made my online shopping and budgeting much easier. The 0% interest for 4 months is especially helpful — it allows me to split payments and manage my finances in a more flexible way without any extra cost. The whole experience is smooth and effortless. There’s no additional setup required, and every transaction is clearly displayed in the history section. I can easily see which purchases qualify for the 0% offer, track when the promotional period ends, and receive helpful reminders so I never miss anything important. Repayment options are also very clear and easy to manage, which gives me a lot of confidence when using the service. Overall, PayPal Credit has been reliable, transparent, and extremely convenient for my day‑to‑day spending. Reviewed on: 9th June 2026

Easy to use service and excellent app.

Easy to use service and excellent app. Very easy to navigate Reviewed on: 9th June 2026

Great reliable and easy service.

Great reliable and easy service. The app is easy to use and it always delivers. It only gets better as more shopping platforms accept PayPal. Reviewed on: 9th June 2026

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