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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)

Using PayPal to buy goods online is the safest way t...

Using PayPal to buy goods online is the safest way to ensure that the transaction goes smoothly and is fast and reliable Reviewed on: 18th April 2026

I have dealt with PayPal for a good few years now an...

I have dealt with PayPal for a good few years now and always have smooth transactions. It is really handy round about events like Xmas etc Reviewed on: 18th April 2026

Credit and interest rates

They enough time to repay back the loans and have minimal interest rates Reviewed on: 18th April 2026

Use it for everything for safety reasons.

Use it for everything for safety reasons.only line shopping and ebay Reviewed on: 18th April 2026

Very helpful call service.

Very helpful call service. Safe and efficient way to manage payments. Reviewed on: 18th April 2026

Very easy

Very easy to apply for PayPal credit. Quick decision too Reviewed on: 18th April 2026

One of its strongest points is buyer protection.

One of its strongest points is buyer protection. If something goes wrong with a purchase—like an item not arriving—you can open a dispute and potentially get refunded. That said, the process can sometimes feel slow or rigid, and outcomes aren’t always in the user’s favor. Reviewed on: 18th April 2026

PayPal Credit has been very easy to use and reliable.

PayPal Credit has been very easy to use and reliable. The process is straightforward, and I haven’t had any issues. Overall, a very positive experience. Reviewed on: 18th April 2026

It's alright, no complaints

I use PayPal credit for the majority of online purchases and I have also started using the physical card for in person. No issues with service although PayPal can be a bit of a black box at times, IE in never increasing credit limits. Reviewed on: 18th April 2026

Ive never had any issues with paypal and have always...

Ive never had any issues with paypal and have always been able to keep track of anything with them. Reviewed on: 18th April 2026

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