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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174145 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174149)

Greater Way To Spread The Costs

Great way to spread payments to make it more money manageable Reviewed on: 1st June 2024

Would strongly recommend

I’ve used PayPal for a number of years now; reliable, trustworthy and easy to use Reviewed on: 1st June 2024

Really helped me with some purchases

Really helped me with some purchases Reviewed on: 1st June 2024

A nice option for a quick loan.

A nice option for a quick loan. Good start Reviewed on: 1st June 2024

I am using paypal for more than years , every time s...

I am using paypal for more than years , every time smooth transaction flexible payment option make it more interesting, love it Reviewed on: 1st June 2024

PayPal more flexibility

Love how I can now use PayPal to purchase items from other online stores besides EBay which makes it more user friendly and flexible, and pay in 3 with no interest is sometimes a lifesaver when needing to make an emergency purchase Reviewed on: 1st June 2024

PayPal credit is great, I only wish more merchants o...

PayPal credit is great, I only wish more merchants offered the option to use it. It’s super easy, the app is great. Reviewed on: 1st June 2024

Reliable and easy to use , I use often and havnt had...

Reliable and easy to use , I use often and havnt had any issues ever Reviewed on: 1st June 2024

Paypal credit is a wonderful thing to have on and do...

Paypal credit is a wonderful thing to have on and does me good when Im not in the greatest financially. Reviewed on: 1st June 2024

PayPal is so easy

PayPal is so easy to use and navigate especially when it comes to credit and borrowing, it’s so easy to stay on top of your debt and monitor it. I would 100% recommend to a friend as their main form of online payment. Reviewed on: 1st June 2024

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