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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

Convenience

I’ve found PayPal Credit to be very convenient and easy to use, especially for spreading the cost of purchases over time. The application process was straightforward, and payments are simple to manage through the app. It’s particularly useful for online shopping and gives a bit of flexibility whenever I need it. Reviewed on: 17th April 2026

My personal review!

All was simple and easy to understand and use! Reviewed on: 17th April 2026

Most credit products feel like a trap, but I’ve foun...

Most credit products feel like a trap, but I’ve found PayPal Credit to be a surprisingly disciplined tool for my finances. I originally signed up for a one-off tech purchase using their 4-month interest-free offer, and what I appreciated most was the transparency. Unlike a traditional credit card where the "minimum payment" can feel like a moving target, the dashboard here makes it incredibly clear exactly what I need to pay to avoid interest. It has become my go-to for larger "necessary" expenses (like a new boiler part or car repairs) because I can spread the cost without the guilt of high-interest rates. Reviewed on: 17th April 2026

It's been working according to my expectatios.

It's been working according to my expectatios. Easy to use, flexible and affordable. Thank you, Paypal! Reviewed on: 17th April 2026

A valuable financial tool.

Always a secure and reliable way to manage my finances. Reviewed on: 17th April 2026

Great asset.

I have been using PayPal credit for a few years and the service has been a great asset when I have needed to use it. Reviewed on: 17th April 2026

PayPal is my go to!

PayPal is my go to for all big purchases, price of mind and great app and customer services. Reviewed on: 17th April 2026

Its really hasle free to use pay pal all the time an...

Its really hasle free to use pay pal all the time and have good features. Highly recomended to use pay pal. Reviewed on: 17th April 2026

Easy to use and there when I need it.

Easy to use and there when I need it. Reviewed on: 17th April 2026

I had no issues using the paypal credit and the cred...

I had no issues using the paypal credit and the credit check was fast Reviewed on: 17th April 2026

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