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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149172 reviews)

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4.73

Based on 149,044 reviews, last reviewed 5th Jul 2026

4512250% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I have used Paypal for over 10 years and I cant faul... I have used Paypal for over 10 years and I cant fault this app, it is the best and very secure. Great customer service Reviewed on: 5th July 2026

Latest lowest rating:

2

Uses a hard search on your credit score and doesn’t... Uses a hard search on your credit score and doesn’t make it easy to pay off your debts Reviewed on: 5th 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 (149172)

Simply and easy to pay online and most important is...

Simply and easy to pay online and most important is safe Reviewed on: 8th June 2026

Great app, excellent service, would definitely recom...

Great app, excellent service, would definitely recommend Reviewed on: 8th June 2026

Paypal Review

Very good reliable service. Thank you PayPal. Reviewed on: 8th June 2026

Excellent Flexibility with PayPal Credit

I’ve had a very positive experience using PayPal Credit. It has made managing purchases much easier by giving me flexibility with payments, especially for larger expenses. The application process was straightforward, and once approved, it was simple to use at checkout through PayPal. One of the best features is the option to spread the cost of purchases, which helps with budgeting and makes bigger payments feel more manageable. I also appreciate how convenient and secure it is, as everything is handled through PayPal’s trusted platform without needing to repeatedly enter card details. The account management is easy to follow, with clear statements and payment options available, helping me stay on top of spending. Overall, PayPal Credit has been a reliable and convenient financial tool, offering flexibility, ease of use, and peace of mind when shopping online. I would definitely recommend it to anyone looking for a simple way to manage purchases responsibly. Reviewed on: 8th June 2026

Useful for managing larger purchases

I have found PayPal Credit to be a convenient and straightforward way to spread the cost of larger purchases. The application process was quick and easy, and I was able to start using the account almost immediately. I particularly like the flexibility of managing payments online and being able to view my balance and transactions in one place. The interest-free offers on qualifying purchases are useful when planned carefully, helping me budget for larger expenses without paying everything upfront. Overall, I have had a positive experience and would recommend PayPal Credit to anyone looking for a simple and flexible borrowing option for online shopping. If you’d like it to sound more personal or reflect your own experience, tell me what you like (or dislike) about PayPal Credit and I can tailor it for you. Reviewed on: 8th June 2026

I enjoy using the card on my phone as I get points t...

I enjoy using the card on my phone as I get points to spend when I make purchases online or in stores and the app is so easy to use and everything is cear and understood Reviewed on: 8th June 2026

Good problem solved if dispute raised.

Good problem solved if dispute raised. Reviewed on: 8th June 2026

Paypal credit

Paypal credit has helped me massively with my finances I would recommend it highly Reviewed on: 8th June 2026

PayPal has never been a disappointment since I have...

PayPal has never been a disappointment since I have been their customer for over 5 years. With their pay in three or four and PayPal credit card has been a safe guard for me. They charge low fees on their credit cards and no fees on pay into three. They are the best when it comes to customer service. I give them 10/10 honestly Reviewed on: 8th June 2026

Great PayPal credit; interface could be improved.

I have used PayPal credit three times. One time having two credits overlapped. It just great to have the freedom to pay either the minimum or above according to affordability, but all before the agreed period in order not to incur interests. Five stars for this. The only bit that I found difficult to understand is the way the balance is handled. If two or more credits are used the balance is combined and it is not clear how much to pay for each credit. I had to keep my own records not to miss the deadline. Reviewed on: 8th June 2026

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