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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174244 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 (174252)

Easy to use clean app good service

Easy to use clean app good service Reviewed on: 2nd July 2026

Excellent service & convenient way to spread the cost

I’ve had a very positive experience using PayPal Credit. The application process was straightforward, and being able to spread the cost of larger purchases has been really helpful when managing my budget. I find the account easy to use, payments are simple to make, and everything is clearly displayed within the PayPal app. I’ve always found the service reliable, with purchases processed quickly and no issues when checking balances or making repayments. The promotional interest-free offers on eligible purchases are particularly useful, provided you stay on top of your payments. Overall, it’s a convenient, flexible credit option that has worked exactly as expected for me, and I wouldn’t hesitate to recommend it to others looking for a trusted way to manage larger online purchases. Reviewed on: 2nd July 2026

i always use paypal as i trust it and its...

i always use paypal as i trust it and its easy to use Reviewed on: 2nd July 2026

Few issues

Have never had a problem that wasn't fixable, can sometimes the procedures can be a bit frustrating though. Reviewed on: 2nd July 2026

EXCELLENCE

Excellent services. Recommended to everyone Reviewed on: 2nd July 2026

Great way to split payments.

Great way to split payments. Good comms from customer service when there is a problem. Reviewed on: 2nd July 2026

Always useful and convenient, is quick as well

Always useful and convenient, is quick as well Reviewed on: 2nd July 2026

Manage finances

Helps me to manage my finances by spreading out the cost over a few months. Reviewed on: 2nd July 2026

Friendly and helpful customer service

Friendly and helpful customer service Reviewed on: 2nd July 2026

pay in three option

i find the pay in three option very benifical, when shopping online and the card app on my phone has been very useful. Reviewed on: 2nd July 2026

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