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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145722 reviews)

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4.73

Based on 145,703 reviews, last reviewed 28th Jun 2026

4360650% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Plenty of notice given to payment reminders & except... Plenty of notice given to payment reminders & exceptional customer service Reviewed on: 28th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145722)

PayPal Credit is a fantastic service

PayPal Credit is a fantastic and convenient way to shop online. It makes buying things very easy.Here are three different options you can use.Option 1: Short and sweetI love using PayPal Credit for my online shopping! The approval process was super fast and easy. My favorite feature is the 6 months of no interest on larger purchases. It really helps me manage my monthly budget. Paying is always quick and very secure. I highly recommend it to everyone!Option 2: Detailed and focused on budgetThis is an amazing tool if you buy things online often. The "buy now, pay later" option is incredibly helpful. For any purchase over $99, you get six months to pay it off without any interest. The app is very clear and shows all your payment due dates. There is no annual fee, which is a huge plus. Five stars!Option 3: Focused on security and easePayPal Credit gives me great peace of mind when shopping. It keeps my bank details safe because stores never see them. Setting it up on my phone took just a few minutes. The credit limit they gave me is perfect for my needs. As long as you pay on time, it is a free and helpful service. I use it all the time! Reviewed on: 8th June 2026

Good choice for interest free shopping

Good choice for extra cover and interest free choice. Reviewed on: 8th June 2026

Thumbs up for PayPal credit!

Credit easy and clear to manage. Pay in 3 very useful for urgent or unexpected expenses.. App gives instant real time overview . Reviewed on: 8th June 2026

PayPal credit is great, I was approved within minutes!

PayPal credit is great, within minutes I knew if I was eligible for credit and what my credit limit would be. I love that PayPal does 0% interest offers over certain periods and I also like how easy it is not having to look for my card, it’s just so easy to check out and purchase with just a few clicks. Reviewed on: 8th June 2026

Quick and easy to use and reliable service when thin...

Quick and easy to use and reliable service when things go wrong Reviewed on: 8th June 2026

PayPal credit no hassle, excellent customer service,...

PayPal credit no hassle, excellent customer service, can be used in the majority of places and can download a virtual card it is brilliant Reviewed on: 8th June 2026

I love PayPal.!

I love PayPal. It is the only credit card that gives 4 months to pay off for a transaction which makes life so much easier. It allows me to pay off without being charged interest if paid within 4 months. Plus now they have tiers too. So I want to use PayPal exclusively. I even managed to get a credit card through Curve with easy to use apps. All in all, it is the best! Reviewed on: 8th June 2026

Excellent service always

I’ve used PayPal for years and it’s always been a quick and easy way to send money and pay for things online. Transactions are straightforward, the app works well, and I like the extra security when buying from websites I’m not familiar with. I’ve never had any major issues, and whenever I’ve needed help, customer support has been responsive. Overall, it’s a reliable service that I trust and use regularly. Reviewed on: 8th June 2026

Very helpful with shopping online

Very helpful with shopping online Reviewed on: 8th June 2026

Easy to use to keep track of your Account.

Easy to use to keep track of your Account.Payments etc.Easy to log in.However App is not reliable.Freezes or does not work properly.Have to use Website.Easy to understand - keeping check of payments.Like the fact you can pay in 3 installments for more expensive products on some sites like EBay.But not accepted every online shopping sites. Reviewed on: 8th June 2026

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