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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)

Gives me confidence

I’ve never had a problem paying with Paypal and feel confident using it as a method of payment. Reviewed on: 6th July 2026

Always been certified and clear throughout the whole...

Always been certified and clear throughout the whole journey. Never had a problem. Reviewed on: 6th July 2026

Help full lower rate helpful staff

Help full lower rate helpful staff Reviewed on: 6th July 2026

Love the pay in four months option

Love the pay in four months option Reviewed on: 6th July 2026

Easy to use service get reminders of due payments an...

Easy to use service get reminders of due payments and it was very easy to apply Reviewed on: 6th July 2026

I’ve had a great experience using PayPal Credit.

I’ve had a great experience using PayPal Credit. It’s a convenient way to spread the cost of purchases, especially for larger items. The application process was quick and straightforward, and once approved, it’s easy to use wherever PayPal Credit is accepted. One of the biggest benefits is the option to take advantage of promotional interest-free periods on qualifying purchases, as long as the balance is paid off within the promotional timeframe. The online account management is simple, making it easy to keep track of payments and balances. A fantastic recent addition is the new PayPal Credit card, which lets you use your PayPal Credit account in many more places, not just at online retailers that offer PayPal at checkout. Having the flexibility to use your available credit more widely makes it even more convenient for everyday spending as well as larger purchases. Customer service has been reliable whenever I’ve needed assistance, and payments are processed smoothly through the PayPal app or website. As with any form of credit, it’s important to make payments on time and understand the terms to avoid interest charges. Overall, PayPal Credit is a flexible, reliable, and easy-to-use payment option. The addition of the new PayPal Credit card has made it even more versatile, and I’d happily recommend it to anyone looking for a convenient way to manage their spending responsibly. Reviewed on: 6th July 2026

Easy Transactions

Easy transactions and added security for both seller and buyer and at the click of a button Reviewed on: 6th July 2026

Excellent!

So easy to use, reliable and good offers Reviewed on: 6th July 2026

Redeeming points as cashback

I like the Cashback when I use the PayPal debit card Reviewed on: 6th July 2026

Good experience

I always had good experience with PayPal and I am a PayPal user for more than 10 years. Reviewed on: 6th July 2026

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