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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 Credit was easy.

Using PayPal Credit was easy. Setting it up took little time, and paying at checkout felt simple. I could see my payments clearly, which helped me stay on track. It made bigger purchases easier to handle. Overall, it worked well for me. Reviewed on: 18th April 2026

Never had a bad experience.

Never had a bad experience. Whether it be through buying, selling or dealing with issues from sellers not meeting acceptable standards. The PayPal credit has been a god-send with projects i have been working on with 0% interest, as long as you keep on top of it. Reviewed on: 18th April 2026

Convenient but expensive if you’re not careful

PayPal Credit is easy to use and integrates well with online purchases, which makes it very convenient. The interest-free periods can be helpful if managed properly. However, the interest rates are quite high if you don’t pay off the balance in time, so it requires discipline. Overall, useful as a short-term tool but not ideal for long-term borrowing. Reviewed on: 18th April 2026

Simple and easy to use with great features.

Simple and easy to use with great features and accessibility. Reviewed on: 18th April 2026

Good service, easy to apply, good offer for samsung...

Good service, easy to apply, good offer for samsung phones. Reviewed on: 18th April 2026

Great service

Great offers. Especially interest free for 4 months. Would actually love this to be 6 please. Any contact with customer services has been great, located locally, friendly support. Reviewed on: 18th April 2026

Ease of use and easy to understand

Mainly a very good experience with PayPal and if I’ve had an issue it’s resolved fairly quickly. Reviewed on: 18th April 2026

Very security app.

Very security app.Easy access to account. Monitoring App. Reviewed on: 18th April 2026

Great service easy to use, easy making payments and...

Great service easy to use, easy making payments and quick to get refunds back Reviewed on: 18th April 2026

Easily accessible finance.

App is very user friendly. Easy payment options. Accessible finance. Reviewed on: 18th April 2026

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