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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181136 reviews)

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4.73

Based on 181,136 reviews, last reviewed 30th Aug 2026

7% decrease in 5 star reviews

in the past 90 days

5% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have the best customer service and most of my requ... I have the best customer service and most of my requests went through with no delay Reviewed on: 30th August 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 (181136)

It’s the only platform for buying things.

It’s the only platform for buying things. The protection and the ease of use Reviewed on: 14th July 2026

If u borrow u need to payback the money but the inte...

If u borrow u need to payback the money but the interest is just too high. Everything else is excellent. They cover you when you buy online even these Chinese scam websites PayPal stands up for u so that u can get your money back Reviewed on: 14th July 2026

Best Finance Website.

Easy to use, many options for Finance to use, options to pay instalments, dashboard well laid out Reviewed on: 14th July 2026

My experience with paypal is great.

My experience with paypal is great. Very helpful staff Reviewed on: 14th July 2026

Easy to use, great communication

Easy to use, great communication Reviewed on: 14th July 2026

More Flexibility and Control Over My Finances

PayPal Credit has changed the way I manage my finances by giving me more flexibility and control over larger purchases. Instead of having to pay the full cost upfront and putting pressure on my monthly budget, I can spread the cost and plan my repayments around my income and other expenses. It has also encouraged me to think more carefully about budgeting and repayment planning before making purchases. Knowing exactly what I need to repay helps me stay organised and make more considered financial decisions. It's made managing unexpected expenses and larger purchases feel more manageable, while giving me the flexibility to balance my spending with my other financial commitments. Reviewed on: 14th July 2026

Let's me control my spending in a safe and trusted way.

Let's me control my spending in a safe and trusted way. Always kept informed. Reviewed on: 14th July 2026

Luv the pay in 3 think that was a great idea and hel...

Luv the pay in 3 think that was a great idea and helps you spread the cost Reviewed on: 14th July 2026

Paypal buddie

Been using PayPal for years , safe way to buy .sell, feel protected with my money Reviewed on: 14th July 2026

Interest rates and APR are a little high.

Interest rates and APR are a little high. However, account management is easy using the app. Reviewed on: 14th July 2026

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