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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181139 reviews)

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4.73

Based on 181,139 reviews, last reviewed 1st Sep 2026

11% decrease in 5 star reviews

in the past 90 days

2% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Comfertable way to spend money Really helpful, feel more comfortable using this than my credit card and saves me going into my over draft Reviewed on: 1st 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 (181139)

Paypal Credit is excellent!

I utilise Paypal Credit for larger bills like insurance so I cam spread the cost. 0% interest plans are very useful. Reviewed on: 6th July 2026

Easy to use, never had any issues

Easy to use, never had any issues Reviewed on: 6th July 2026

Really good service with highest culture level.

Really good service with highest culture level. Reviewed on: 6th July 2026

Fab credit provider.

Really easy to use, even better now ibhave a debit card so I can use my PayPal credit account where ever I go. Also great that you can now earn points to earn money off Reviewed on: 6th July 2026

Easy to use great communication.

Easy to use great communication. Safe and secure Reviewed on: 6th July 2026

Opportunities can be endless

I’ve been given a opportunity to buy things at high prices and given the time to pay back which I normally couldn’t afford, it’s nice to be given a chance. Reviewed on: 6th July 2026

Always useful to have it .

Always useful to have it . In the case of any problems still available contact someone and sort things out. Never had a problem . Big plus is you can pay back full amount of your credit anytime you wish ! Reviewed on: 6th July 2026

I have used paypal for years now and i am happy with...

I have used paypal for years now and i am happy with the service i receive. Notifications every step of the way and split payments at points. Love it. Family use it also and they are just as happy. Use the credit side for larger items at interest free. Great experience up to now. Reviewed on: 6th July 2026

Easy to manage my credit

My PayPal credit is easy to manage and the interest rate is fair and there are no penalties for overpayment or paying off the balance at anytime. Reviewed on: 6th July 2026

A really good financial instrument

A really good financial instrument for spacing out payments on expensive items. Whenever life hits me with a broken dishwasher, PayPal Credit is there to help! They have always been fair with their credit limit increases and payments are very simple to manage. Reviewed on: 6th July 2026

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