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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181140 reviews)

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4.73

Based on 181,140 reviews, last reviewed 3rd Sep 2026

14% decrease in 5 star reviews

in the past 90 days

4% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

So happy with PayPal credit ... It's been good having PayPal as an option to pay with PayPal credit. It's made life alot easier for me when I needed to budget and pay other essential... Read more Reviewed on: 3rd 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 (181140)

Easy and convenient way to make a purchase.

Easy and convenient way to make a purchase. Gives time to pay for it and you get point too. Reviewed on: 6th July 2026

Lots of options of credit that really suits my needs

Lots of options of credit that really suits my needs Reviewed on: 6th July 2026

Great service nevwr had any problems

Great service nevwr had any problems Reviewed on: 6th July 2026

Good for anyone using credit for shopping

It’s really good for my monthly shopping and day to day expenses especially. I have been using it for a while now and I barely had issues that led me to speak with customer service. And I wish if u could get this 1000£. Winning. PayPal will have the best of my reviews after. Reviewed on: 6th July 2026

What Makes It Great

What Makes It Great Incredibly Easy to Access & Manage: Everything is integrated directly right into the main PayPal app. Checking my balance, viewing monthly statements, and making payments only takes a few taps. It’s completely seamless. Keeps Me Out of High-Rate Debt: Unlike traditional credit cards that hit you with massive interest charges right out of the gate, PayPal Credit offers excellent 0% interest promotional periods (like 4 months interest-free on purchases over £99). Promotes Smart Spending: Because of the clear promotional timelines, it allows me to split up larger expenses into manageable chunks without worrying about ballooning interest rates. It is an excellent tool for staying financially responsible. The Bottom Line: If you want a financing option that is simple to manage, highly transparent, and helps you avoid high-interest debt traps, PayPal Credit is an outstanding choice. I am incredibly pleased with it. Reviewed on: 6th July 2026

Buy online - use PayPal !!

The only way I pay for goods when buying on line - FULL STOP!! Reviewed on: 6th July 2026

PayPal has been with me for years

PayPal has been with me for years, there is no service quite like it. They are always the better option for any sort of payment in my opinion, and they are always flexible in terms of credit options. I have been repaying a loan that I took years ago and they've never pressured me or raised the prices in absurd way making it an affordable and enjoyable experience. Be it buying games or anything that can be payed by PayPal, it's always my top priority. Reviewed on: 6th July 2026

PayPal are consistently there.

PayPal are consistently “there”. If you borrow money it’s easy to see where you are and, provided you adhere to your agreement, there is always another offer to be had. Reviewed on: 6th July 2026

Excellent service quick and efficient

Excellent service quick and efficient Reviewed on: 6th July 2026

I have for many years been a huge advocate of PayPal...

I have for many years been a huge advocate of PayPal for online purchases mainly through eBay, as a secure way of paying for goods, especially when seeders have less feedback so an unknowm, PayPal paired with eBay Buyer Confidence in recent years gave me the confidence that I was covered if a transaction didn't go right - Then, PayPal offered better crediiit terms to spread the cost of purchses beyond eBay, making budgeting a lot more manageable - Now, with the PayPal credit card, these favourable terms reach even further for anything I purchase with it, making purchasing anywhere an even more reassurring experience. Reviewed on: 6th July 2026

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