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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146980 reviews)

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4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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.

PayPal PayPal Credit reviews (146981)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Good for what I use it for

I’ve never had to call customer service which I think shows it’s a good product. They can sometimes be overzealous with emails, especially trying to get me to increase my limit which I don’t think is the best practice Reviewed on: 11th June 2026

I use PayPal regular and also Payal credit it help...

I use PayPal regular and also Payal credit it helps me a lot Reviewed on: 11th June 2026

Excellent for all my payment needs

Excellent for all my payment and budgeting needs - think that the app could be laid out a little more easy to understand for the senior folk. Reviewed on: 11th June 2026

Great for spreading the cost of online purchases

Great for spreading the cost of online purchases if you manage it correctly! The 0% interest period on purchases (like the 4-month or 6-month deals) is a massive help for budgeting. It’s incredibly easy to use at checkout. However, the standard interest rate is very high, so make absolutely sure to pay off your balance before the promotional window ends Reviewed on: 11th June 2026

A familiar and useful account for spreading the cost

Have used PayPal Credit for quite some time now and have found it useful for large purchases. The familiar PayPal App allows easy and flexible access to check and/or make extra or immediate payments on the account . Reviewed on: 11th June 2026

I use PayPal a lot for normal transactions and getti...

I use PayPal a lot for normal transactions and getting longer to pay for things, it allows me to afford more Reviewed on: 11th June 2026

I love how easy it is to navigate paypal and transfe...

I love how easy it is to navigate paypal and transferring money to your bank is instant...and you have the option to pay in 3.6or 12 months and there interst rates are manageable Reviewed on: 11th June 2026

Easy to use and helpful when you want or need someth...

Easy to use and helpful when you want or need something slightly out of budget Reviewed on: 11th June 2026

Happy with using PayPal

Happy with using PayPal i had it about 9 years I would recommend Reviewed on: 11th June 2026

Great service, easy payments.

Great service, easy payments and can be used for most purchases. Haven’t had any issues while using them. Would very much recommend them to anyone that wants quick and easy payments. Reviewed on: 11th June 2026

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