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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181149 reviews)

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4.73

Based on 181,149 reviews, last reviewed 14th Sep 2026

55% decrease in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th 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 (181149)

Convenient but needs to be used carefully

I used PayPal Credit and the application process was quite simple and easy to understand. It can be useful when you want to spread the cost of a purchase instead of paying everything at once. The account is easy to access online and payments are straightforward. However, I think the terms, interest charges and repayment options should be made very clear before using it, because it can become expensive if the balance is not paid on time. Overall, PayPal Credit is convenient, but it should be used carefully and responsibly. Reviewed on: 6th July 2026

PayPal Credit is honestly the best thing that has ha...

PayPal Credit is honestly the best thing that has happened in the financial sphere. PayPal has removed the stress and anxiety of credit cards and scores. I've been using the service for a whie, and as I have been using it, I've managed to build my credit score to a high amount, allowing me to qualify for a lot of things. This has supported me in avoiding the issue of signing up with an external card that usually costs fees, and I am able to be eligible for the next steps of life without having to spend a lot. I've managed to get the highest support with my day-to-day spending. The tips and advice PayPal provides on how best to use PayPal Credit are amazing, as I've saved so much with this and managed to even make the credit my primary form of payment. Honestly, if anyone is asked to make a card or get PayPal, I will highly suggest for them to get in ASAP. This will be the best decision if they want to play smart and pay smart. Reviewed on: 6th July 2026

Trustworthy and excellent service.

I have been using PayPal for over 10 years and i have seen big improvement on the customer service and digital. I enjoy using the app and also I feel secure with the service. It is my main option when paying online where available.Sometimes I have struggled with the app and how things are assigned but I have gotten use to it. Reviewed on: 6th July 2026

Good addition to PayPal offer.

Good addition to PayPal offer. Used it for a mobile phone purchase as a flexible alternative to phone provider. Able to avoid large one off purchase in one month Reviewed on: 6th July 2026

Quick and easy

Quick and easy to transfer money and pay for things. Also like how safe it is Reviewed on: 6th July 2026

Busy mum

I am a full time working mum. I hardly have time to buy groceries in the shop and relying on using PayPal for the rest. Is secure, dont have to worry I use my bank details while on the public transport Or PayPal credit that allows me to breath slightly better until pay day. Reviewed on: 6th July 2026

PayPal Review

Seamless process acquiring credit, customer service needs reassessment to ensure better communication Reviewed on: 6th July 2026

So easy to use totall recommend not a problem all fe...

So easy to use totall recommend not a problem all fees explained Reviewed on: 6th July 2026

Great platform easy to use.

Great platform easy to use. Very safe to use aldo Reviewed on: 6th July 2026

I used paypal credit to get some items from Ebay.

I used paypal credit to get some items from Ebay. Everything was easy and straightforward and I can very highly recommended it. Reviewed on: 6th July 2026

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