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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174677 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174725)

I use PayPal for all of my purchases, it’s great to...

I use PayPal for all of my purchases, it’s great to know you have that added level of security Reviewed on: 6th July 2026

PayPal helps me to better manage my budget.

I use PayPal quite a lot with bigger purchases so allows me to spread the cost a bit more without adding interest. It’s easy to use and track how to clear the balance and use that extra budget to buy holiday outfits and spread that over 4 months too. A great product that helps me to better manage my budget. Reviewed on: 6th July 2026

Very easy to use and to pay each month lots of onlin...

Very easy to use and to pay each month lots of online retailers accept it Reviewed on: 6th July 2026

Polite and professional

Polite and professional - I have had no issues dealing with paypal members. Statements could be improved on but otherwise great Reviewed on: 6th July 2026

Easy to use and simple to manage

Easy to use and simple to manage Reviewed on: 6th July 2026

Longer than pay in 3 would help.

Longer than pay in 3 would help. E.g pay in 6, pay in 12z Reviewed on: 6th July 2026

Always had good experience with PayPal and love the...

Always had good experience with PayPal and love the credit offers Reviewed on: 6th July 2026

Brilliant, easy to use, beware it can be too easy...

Brilliant, easy to use, beware it can be too easy Reviewed on: 6th July 2026

If I have a Purchase that exceeds my current budget...

If I have a Purchase that exceeds my current budget I always turn to PayPal credit. Reviewed on: 6th July 2026

The Pinnacle for Online The Standard for Digital Retail

I've experimented with numerous digital wallets, yet I invariably gravitate back to PayPal as my primary option. Its most compelling attribute for me is sheer ease: the capacity to complete purchases on virtually any website with a mere click or biometric verification entirely obviates the inconvenience of retrieving my physical wallet or manually entering 16-digit card numbers. Beyond its celerity, the security provisions afford me absolute tranquility. The awareness that various online vendors do not gain unmediated access to my actual card information is a substantial comfort. Couple that with their exceptionally robust Buyer Protection—which has come to my rescue on multiple occasions when a delivery failed to materialize—and it unequivocally stands as the most dependable payment platform available. Enthusiastically endorsed! Reviewed on: 6th July 2026

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