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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

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4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

Excellent service

I’ve never had any problems using PayPal, customer service is excellent Reviewed on: 6th July 2026

So convenient and easy to use.

So convenient and easy to use. Being easily accessible on your phone too makes it easier to use. Reviewed on: 6th July 2026

great flexibility

It provides a great deal of flexibility for managing larger, necessary expenses without the hassle of traditional credit application processes. The interface is intuitive, the payments are easy to track within the existing PayPal app, and the approval process is incredibly fast. If you’re looking for a reliable, short-term financing tool for your purchases, I’d highly recommend it. Reviewed on: 6th July 2026

Brilliant flexibility and effortless shopping!

I’ve been using PayPal Credit for a while now, and it has completely changed how I manage my online shopping. The sign-up process was incredibly quick and straightforward, and it integrates seamlessly with my existing PayPal account. My favourite aspect is the sheer convenience it offers. It gives me the perfect amount of flexibility to spread the cost of larger expenses, such as electronics or furniture, without any hassle. It takes the stress out of making bigger purchases by allowing me to manage my budget on my own terms. The app makes it incredibly simple to keep track of balances, view statements, and set up monthly direct debits so I never miss a payment. It is widely accepted across so many online retailers, making checkout safe, secure, and entirely hassle-free. If you are looking for a reliable, flexible way to finance purchases responsibly, I highly recommend PayPal Credit. It has been a fantastic financial tool for me. Reviewed on: 6th July 2026

No issues so far and I used PayPal for more than a d...

No issues so far and I used PayPal for more than a decade Reviewed on: 6th July 2026

So handy to have!

I think it helps people spread the cost without getting in debt with interest Reviewed on: 6th July 2026

User friendly, convinient, good benefits

User friendly, convinient, good benefits Reviewed on: 6th July 2026

Easy to use and very user friendly

Easy to use and gives good amount time to pay back before charging interest Reviewed on: 6th July 2026

Had no real issues.

Had no real issues. But have heard horror stories of locked out or frozen accounts & assets. Reviewed on: 6th July 2026

ive always found PayPal very easy to use whilst also...

ive always found PayPal very easy to use whilst also being very secure. I will always use it when possible. Reviewed on: 6th July 2026

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