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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 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 (181153)

Excellent and straight forward

I’ve never had any credit before and this has made the step into this world very easy and accessible. Reviewed on: 8th July 2022

Contemporary credit provider

PayPal credit is very easy to use (I.e. easy to make payments securely and easy to setup your repayments, very flexible). Customer service is 10/10 when you need support with any query. Reviewed on: 8th July 2022

PayPal credit

Really would recommend using PayPal credit. Once approved it is quick and easy and pretty much every online shops etc uses PayPal as an option to pay. 4 months no interest gives me a lot of time to pay off what I’ve bought and if I don’t do it within that 4 months, the interest for me is affordable. Love that each new purchase has its separate no interest Reviewed on: 8th July 2022

Excellent

Excellent services. Keep it going. Reviewed on: 8th July 2022

Wonderful credit

Excellent payment method , easy to use, confusing to increase credit limit Reviewed on: 8th July 2022

Secure and reliable!

One of the best payment provider. Can sort out all issues easily and very secure! Reviewed on: 8th July 2022

One of the best and easiest forms of credit available

PayPal is readily available on most retailers websites. It was a no brainier to apply for the PayPal credit. No real checks were done, easy to apply, decent amount of credit. What's there not to like about it??? Reviewed on: 8th July 2022

Love it

I have been using this for a couple of years now and it has been great. I tend to use it to split large purchases over a period of time and take advantage of their 0% interest. During these difficult times it has been a life saver. Reviewed on: 8th July 2022

Handy spending until payday

Love using this very handy way of paying when you need something but are a bit short on funds. Reviewed on: 8th July 2022

Freedom

PayPal credit has opened up the world to me!, the credit available to me was a huge lifeline. Reviewed on: 8th July 2022

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