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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)

Easy and convenient, it’s a great help.

Easy and convenient, it’s a great help. I use PayPal for every purchase but now I also use PayPal credit regularly too. Reviewed on: 7th July 2026

PayPal Credit- a positive experience for me overall

Using PayPal Credit has been a positive experience for me overall. It allows me to conveniently make purchases online with the option of paying later. It offers flexibility, security and now includes a reward program, allowing reward points on eligible purchases, thereby providing extra value on everyday purchases. PayPal Credit does not charge an annual fee or foreign transaction fees. It also provides purchase protection, fraud monitoring and protection, as well as an interest-free period if the balance is paid in full by the due date, making it a useful tool for me to manage short term cash flow. Using PayPal Credit has been a good experience. I appreciate the added security when shopping online and the ability to easily track my spending through the mobile app. I can honestly say that when finances are managed carefully, ithe advantages of PayPal Credit outweigh the potential disadvantages. Reviewed on: 7th July 2026

Paypal is very handy and convenient for a lot of thi...

Paypal is very handy and convenient for a lot of things. They also offer extended time to pay for something which is great. It's fast and easy to use. I would highly recommend Reviewed on: 7th July 2026

PayPal continues to offer the best competitive servi...

PayPal continues to offer the best competitive services and remains the Best Retail Finance Provider Reviewed on: 7th July 2026

Good customer service. Good company

I have always found PayPal credit to be better than credit cards. They have good offers and interest free for larger purchases. Interest rates are competitive and easy to navigate statements updated immediately so you can see what you’re spending and good customer service whenever there is anything you need to query. Reviewed on: 7th July 2026

Never had a problem using PayPal and any queries whe...

Never had a problem using PayPal and any queries where dealt with very quickly Reviewed on: 7th July 2026

I have total confidence in PayPal

I have total confidence in PayPal Reviewed on: 7th July 2026

PayPal Credit - Anytime, anywhere 5 out of 5

I originally used PAYPAL credit solely for eBay purchases but because of the ease of use of the PayPal Credit and first rate customer service, I now have the physical card so I can take advantage of PayPal Credit anywhere. I’ve caused a few headaches for myself with various misunderstandings between PayPal and eBay but customer services have resolved within minutes on EVERY occasion. Well done guys Reviewed on: 7th July 2026

Top Service, never had a bad experiance.

Top Service, neverhad a bad experiance. Reviewed on: 7th July 2026

App needs work but overall great

The app isn't the clearest of apps in terms of organising what needs to be paid yet, where refunds have gone against etc. but customer service was friendly and PayPal is reliable and trustworthy Reviewed on: 7th July 2026

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