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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,139 reviews, last reviewed 1st Sep 2026
11% decrease in 5 star reviews
in the past 90 days
2% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Comfertable way to spend money Really helpful, feel more comfortable using this than my credit card and saves me going into my over draft Reviewed on: 1st September 2026
caitlin's avatar
caitlin

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
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews Write a review

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 (181139)

Good experience with consumer protection

5
Good experience with consumer protection Reviewed on: 13th July 2026
George's avatar
George

Great convenient and safe easy payment clear messages

5
Great convenient and safe easy payment clear messages Reviewed on: 13th July 2026
Sarper M's avatar
Sarper M

Easy & Safe Great service quick to use

5
Easy & Safe Great service quick to use Reviewed on: 13th July 2026
Marina T's avatar
Marina T

PayPal Credit has been one of the most convenient fi...

5
PayPal Credit has been one of the most convenient financial tools I’ve used. The application process was quick and straightforward, and I received a decision almost instantly. It’s made managing larger purchases much easier thanks to the option of spreading payments over time, especially with promotional financing on eligible purchases. What I appreciate most is how seamlessly it integrates with PayPal at checkout. There’s no need to enter extra card details, and the process is fast, secure, and hassle-free. The online account management is easy to use, making it simple to track balances, payments, and available credit. Customer service has also been professional and helpful whenever I’ve needed assistance. As long as payments are made on time and the terms are understood, PayPal Credit can be an excellent way to manage expenses while maintaining flexibility. Overall, I’d highly recommend PayPal Credit to anyone looking for a convenient, reliable, and user-friendly credit option. It offers flexibility, security, and a smooth shopping experience, making it a valuable financial tool for everyday and larger purchases alike. Reviewed on: 13th July 2026
Paul Beckitt's avatar
Paul Beckitt

PayPal credit card

5
Just got a PayPal credit card and it was very quick and easy to set up, card got sent straight away no hassle. All on the app to see how much and when to pay so far it’s a credit addition to my PayPal account. Reviewed on: 13th July 2026
Wallis 's avatar
Wallis

Pay in 3

5
Easy to use, especially like interest free pay in 3 Reviewed on: 13th July 2026
Jackue's avatar
Jackue

Excellent

5
Easy to send and receive money internationally. * Widely accepted by online retailers and marketplaces. * Strong buyer protection for eligible purchases. * Fast checkout without repeatedly entering card details. * Supports multiple payment methods (bank accounts, debit cards, credit cards). Reviewed on: 13th July 2026
Nadhiya B's avatar
Nadhiya B

Really positive, no issues.

5
Really positive, no issues. My go to credit card Reviewed on: 13th July 2026
Naomi G's avatar
Naomi G

Very informative and always kept updated with up and...

5
Very informative and always kept updated with up and coming payments in progress Reviewed on: 13th July 2026
Heather R's avatar
Heather R

Twice I missed payments and got charged.

4
Twice I missed payments and got charged. I won't be using again. Very clunky and I don't think it will be complimentary to my existing credit arrangements Reviewed on: 13th July 2026
Colonialcousin 's avatar
Colonialcousin

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