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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th 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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Help others make smarter decisions by sharing your own experience.

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PayPal PayPal Credit reviews (181143)

Is about flexibility.

I think the strongest is about flexibility. Reviewed on: 6th July 2026

Convenient and Easy

It's extremely convenient and easy to manage Reviewed on: 6th July 2026

M6 eperience With pay pal has always proen to Easy...

M6 eperience With pay pal has always proen to Easy , simple fast and helpful, Reviewed on: 6th July 2026

Paypal easy and safe

Paypal ease and safe of use on day to day online transactions. Reviewed on: 6th July 2026

Simple, Flexible and Easy to Use

I have had a positive experience using PayPal Credit. The application process was straightforward, and I received a decision quickly. It has been a convenient way to spread the cost of larger purchases, especially when the promotional interest-free periods are available, helping me manage my finances more effectively. I also find it useful that PayPal Credit is integrated into the PayPal checkout process, making payments simple and secure. The online account is easy to access, and keeping track of balances and repayments is straightforward. One drawback is that if the balance is not repaid within the promotional period, the interest charges can be quite high. It is important to understand the terms and ensure repayments are made on time. I would also appreciate more flexibility with repayment options and clearer reminders before promotional offers expire. Overall, I have found PayPal Credit to be a reliable and convenient credit product when used responsibly, and I would recommend it to others who are confident they can manage their repayments. Reviewed on: 6th July 2026

Simple to use, trusted

Simple to use, trusted and great communication to ensure you know what you need to allow you to better manage your finances Reviewed on: 6th July 2026

Paypal customer for many years.

I've been a Paypal customer for many years, use pay in three, credit as well as original PayPal fir secure payment. When I've had issues with purchases, customer services have helped out and are fairly easy to contact on the phone. Reviewed on: 6th July 2026

Never had any issues with using credit, always an ea...

Never had any issues with using credit, always an east process Reviewed on: 6th July 2026

Very easy process

Simple, straightforward and makes sense Reviewed on: 6th July 2026

Really use to use, great interest rates, amazing off...

Really use to use, great interest rates, amazing offers, I would definitely recommend PayPal credit. Reviewed on: 6th July 2026

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