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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)

I love the customer protection and 4 months free int...

I love the customer protection and 4 months free interest payments aspect. I always use PayPal any where it is available. Reviewed on: 16th April 2026

PayPal 4 Everyone!

PayPal credit is amazing for people that might struggle a little financially and can’t afford something more expensive to pay the full price, if you build up your credit enough you actually don’t need to apply for a credit card at a bank, I have used PayPal credit for the last few years and the rates are great! Very easy to use and most retailers online accept it ! I’m very happy and I will recommend it to all my friends and family! Thanks for the opportunity PayPal ! Keep up the good work for the community. Reviewed on: 16th April 2026

Amazing experience and I am absolutely satisfied wit...

Amazing experience and I am absolutely satisfied with py choice Reviewed on: 16th April 2026

Quick and easy to use.

Quick and easy to use. Reasonable rates of interest Reviewed on: 16th April 2026

Always trustworthy and fair.

Always trustworthy and fair. I always use PayPal when I can, For piece of mind. Reviewed on: 16th April 2026

Simply the best

The safe way to pay. I away use PayPal it’s quick and easy Reviewed on: 16th April 2026

Helpful credit tool for online shopping

I like how simply it comes into purchasing things online. It helps a lot, the promotional interest periods are good too! Reviewed on: 16th April 2026

Safe and reliable payments

This service is brilliant from the pay later and the pay in 3. Reviewed on: 16th April 2026

I am happy with my PayPal credit but I’m a little bi...

I am happy with my PayPal credit but I’m a little bit disappointed that I haven’t had an offer of a credit limit increase when my account is in good standing order and payments are always made on time. It’s been 9 months. Additionally, it’s annoying sometimes with PayPal Pay in 3 as sometimes it just randomly declines even when you have made all previous payments on time and there have been no issues with previous plans. Reviewed on: 16th April 2026

Every time we have issue, they were helping me quickly

Every time we have issue, they were helping me quickly Reviewed on: 16th April 2026

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