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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th 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 (181147)

OK service

Basic, but with some good points. Especially for no-receipt of goods. Dispute resolution is patchy. Reviewed on: 6th July 2026

Easy to use for payment

Easy to use with a quick response while making all the necessary security checks -queries quickly resolved - allows for various ways of payment applicable to your choice Reviewed on: 6th July 2026

I’ve had a really positive experience.

I’ve had a really positive experience. Everything is easily understandable. They’ve been helpful when I needed to make a claim Reviewed on: 6th July 2026

PayPal makes transactions very seamless.

PayPal makes transactions very seamless. Reviewed on: 6th July 2026

Very easy and secure to use .

Very easy and secure to use with PayPal customer protection. Reviewed on: 6th July 2026

Good initial deal, but the app is hard to use.

I found the initial rates offered very reasonable, but the online site is hard to navigate and the app is worse. The monthly payments changed and I have not been able to fully identify why. I've changed payment amount and date via customer services and this was more complicated than other credit cards, but it was managed perfectly by them in the end. I've decoded to pay it off as soon as possible instead of following the original payment plan because it just seems harder to feel like I'm in full control than with a credit card. Some months the payment won't clear for days and days despite being on a DD and other months it clears straight away. I just find it stressful. I won't use again unless I can pay it off completely in a few months. Reviewed on: 6th July 2026

easy app to use

Good credit card, easy app to use. Never had issues with the app going down and i like that you can now use as a physical card Reviewed on: 6th July 2026

Perfect ion

Never had a bad experience with paying with PayPal credit and never been charged, payment always get paid on time so no extra charges occur . It's a very easy way to pay and I feel secure shopping online with places I've never shopped with before Reviewed on: 6th July 2026

Excellent Services ,helpful and easy to use

Excellent Services ,helpful and easy to use Reviewed on: 6th July 2026

I did not have any problems at all.

I did not have any problems at all. Using all the time, Reviewed on: 6th July 2026

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