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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181052 reviews)

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4.73

Based on 181,048 reviews, last reviewed 26th Jul 2026

157% increase in 5 star reviews

in the past 90 days

208% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use app Easy to use but lots of encouragement to increase credit limit which could encourage people into debt Reviewed on: 26th July 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.

PayPal PayPal Credit reviews (181052)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Good service always gives payment options

Good service always gives payment options Reviewed on: 13th July 2026

Great product!

Very efficient way to manage bigger purchases. Reviewed on: 13th July 2026

Making online shopping easy

A very easy app and clear to use, it feels secure across online platforms and is a great way to manage your money and purchases. Reviewed on: 13th July 2026

It has been really helpful when am short of money

It has been really helpful when am short of money Reviewed on: 13th July 2026

PayPal is so user friendly.

PayPal is so user friendly. There are multiple ways to pay which I really enjoy and it’s easy to see at a glance where you’re up to and what payments you have coming up. I always use PayPal Reviewed on: 13th July 2026

AZY-G uses paypal credit (and wins)

I borrowed from paypal and paid everything back! Reviewed on: 13th July 2026

It’s easy to use, it’s nice to be able to just selec...

It’s easy to use, it’s nice to be able to just select PayPal rather than putting in a new card at every websites checkout Reviewed on: 13th July 2026

Very good customer service.

Very good customer service. I was the victim of a scam last year. It happened on a Friday evening, PayPal resolved issue with minimum of fuss by the Saturday morning. Reviewed on: 13th July 2026

Giving the facility to pay in 3 has made things so m...

Giving the facility to pay in 3 has made things so much easier for me. Has allowed me to spread out cost of so many essentials and madw budgeting so much easier Reviewed on: 13th July 2026

Reliable Credit with a Smooth Experience

I've been using PayPal Credit for some time and overall I've had a positive experience. The application process was straightforward, payments are easy to manage, and the account is simple to use through the PayPal app. It has been useful for spreading the cost of larger purchases and the promotional interest-free offers have been helpful when managed responsibly. Customer service has also been satisfactory whenever I needed assistance. Overall, PayPal Credit has been a convenient and reliable financial product that I would recommend to others who use credit responsibly. Reviewed on: 13th July 2026

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