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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149194 reviews)

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4.73

Based on 149,044 reviews, last reviewed 5th Jul 2026

4512250% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have used Paypal for over 10 years and I cant faul... I have used Paypal for over 10 years and I cant fault this app, it is the best and very secure. Great customer service Reviewed on: 5th July 2026

Latest lowest rating:

2

Uses a hard search on your credit score and doesn’t... Uses a hard search on your credit score and doesn’t make it easy to pay off your debts Reviewed on: 5th 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 (149194)

Review of the PayPal, PayPal Credit:

A must have!

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

Straight forward application process

Straight forward application process with easy to understand terminology. Quick & easy to use - Physical Credit card arrived quickly Reviewed on: 12th June 2026

Very easy to apply.

Very easy to apply. Done in a couple of clicks. Well trusted brand that is approved by on line retailers. Very handy now as most of my purchasing is done via the Web. Would recommend Reviewed on: 12th June 2026

Easy to use and widely accepted.

Easy to use and widely accepted. Love the credit and debit cards linked to the accounts. Reviewed on: 12th June 2026

It is so easy to purchase with PayPal and you have e...

It is so easy to purchase with PayPal and you have easy ways to pay either by credit terms or pay in 3 as alternative options to paying cash in full. Reviewed on: 12th June 2026

Brilliant credit option if you really need it.

Brilliant credit option if you really need it. Reviewed on: 12th June 2026

Great for making large purchases for tech or music e...

Great for making large purchases for tech or music equipment or international orders. Reviewed on: 12th June 2026

Great customer service and easy to use

Great customer service and easy to use Reviewed on: 12th June 2026

A lifeline for setting up our family home

PayPal Credit has been a fantastic tool since moving into my new home. It has helped me spread the cost of larger purchases such as flooring, appliances, beds, lampshades, and other home furnishings. The interest-free payment options make budgeting much easier and remove the stress of paying for everything at once. As a single mum of four dependent children, having the flexibility to break purchases down into manageable monthly payments has been a real lifeline while setting up our home. The service is straightforward to use, transparent, and has allowed me to furnish our home without putting excessive pressure on our monthly finances. I am very grateful for the support and would happily recommend PayPal Credit to others looking for a flexible way to manage larger purchases. Reviewed on: 12th June 2026

Excellent service and easy to use.

Excellent service and easy to use. Accepted online everywhere, which makes shopping so much easier. Safer and quickly. Fantastic!! Reviewed on: 12th June 2026

A very easy and convenient service to use.

A very easy and convenient service to use. Reviewed on: 12th June 2026

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