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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

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4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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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Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181155)

Very flexible

Very flexible card to have works on my samsung pay making transactions easy Reviewed on: 15th April 2026

Great honestly!

Great honestly! Really made up with having a physical/virtual card to use in store as that's mostly how I shop. Reviewed on: 15th April 2026

I prefer to have higher credit limit

I prefer to have higher credit limit Reviewed on: 15th April 2026

It helped me a lot when I needed.

It helped me a lot when I needed. In addition I discovered PayPal+ debit card, which gives me 1% cashback at no extra cost. Reviewed on: 15th April 2026

I always have a great experience shopping at TK Maxx.

I always have a great experience shopping at TK Maxx. The store has a wide variety of products, from clothing and shoes to homeware and beauty items, all at really good prices. I enjoy the “treasure hunt” feeling — you never know what great brand or unique item you might find. The staff are usually helpful, and the stores are well organised. Sometimes it can get a bit busy, but overall it’s one of my favourite places to shop for good quality items at discounted prices. I always leave with something I didn’t plan to buy! Reviewed on: 15th April 2026

PayPal is so straightforward, super options.

PayPal is so straightforward, super options. I particularly love the pay in 4 0% option. Always easy to check your items out. Easy to understand App too. Just great all round. Reviewed on: 15th April 2026

Very easy in terms of using.

Very easy in terms of using. Accepted in many various places. Reviewed on: 15th April 2026

I had a great experience aredit was approved...

I had a great experience as credit was approved at a very difficult time for me and I was also able to pay this off in my own time no pressure. Reviewed on: 15th April 2026

Excellent , is really helpful .

Excellent , is really helpful . I really enjoy using Reviewed on: 15th April 2026

The credit card application process is straightforward.

The credit card application process is straightforward. Reviewed on: 15th April 2026

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