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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 (181153)

Great service flexible easy site to navigate

Great service flexible easy site to navigate Reviewed on: 16th April 2026

PayPal credit is really good it helps when finding i...

PayPal credit is really good it helps when finding it hard with the cost of living. Allowing me to budget better and not get loans with very high interest Reviewed on: 16th April 2026

Honesty and truthfulness

I love PayPal the most safest option for online shopping Reviewed on: 16th April 2026

Flexibility

Great flexibility, lots of options to spread payments and maintain control Reviewed on: 16th April 2026

I find PayPal to be honest and I've not had 1 Proble...

I find PayPal to be honest and I've not had 1 Problem with them, fantastic service in my eyes, I've used PayPal on absolutely lots of times/things and I haven't had any problems whatsoever, if a garment or whatever I have bought hasn't been right for any reason then I've let PayPal know and they've sorted it out one way or another, I can't fault them. With thanks. Reviewed on: 16th April 2026

Excellent way to help buy stuff specially for people...

Excellent way to help buy stuff specially for people with low income Reviewed on: 16th April 2026

Whenever i have purchased a product online, that did...

Whenever i have purchased a product online, that did not match the item as advertised, then PayPal were very quick and easy to deal with in order to resolve the issues Reviewed on: 16th April 2026

Very easy and a transparent system

Very easy and a transparent system Reviewed on: 16th April 2026

Always easy to use

Always easy to use and keep track of funds etc via the very usual app Reviewed on: 16th April 2026

It's a bit confusing on the app compared to other ba...

It's a bit confusing on the app compared to other banks - things don't process as fast and things don't need to update in real time as accurately. It's hard to find out when you owe money, and the payments are quite delayed in actually coming out my account. There is no clear separation for interest owed and interest free. I think improvements could be made throughout the app to improve transparency Reviewed on: 16th April 2026

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