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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (102308 reviews)

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4.90

Based on 102,307 reviews, last reviewed 8th May 2026

2375200% increase in 5 star reviews

in the past 90 days

6950% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

4

Quick and simple. Quick and simple. This is all I’ve got to say. Allow me to continue. Reviewed on: 8th May 2026

Latest lowest rating:

2

Pretty good. Pretty good, but need to improve Reviewed on: 8th May 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 (102308)

Easy to make payments and secure too

Easy to make payments and secure too Reviewed on: 16th April 2026

Very good and quick, having no dufficultues using it

Very good and quick, having no dufficultues using it Reviewed on: 16th April 2026

I use PayPal for all my online shopping for peace of...

I use PayPal for all my online shopping for peace of mind. It’s safe and secure which makes shopping online more comfortable and convenient. Reviewed on: 16th April 2026

PayPal has been great for buyer protection since the...

PayPal has been great for buyer protection since the early eBay days. The addition of PayPal credit has made them my first recommendation to anyone who needs to get a start on their credit history. They now have direct cards to use in stores which has been needed for a while and there's a points system which is good. Resolving any purchase issues goes well 9/10 times but there has been a couple disappointments if I had to dispute large companies like Microsoft Reviewed on: 16th April 2026

Best Credit Help

It is helping me a lot with my on-line business. Reviewed on: 16th April 2026

Recommendation

The process is extremely easy and reminders are sent for repayment dates, which is very helpful. Overall brilliant service. Reviewed on: 16th April 2026

I have had nothing but good experience with PayPal

I have had nothing but good experience with PayPal Reviewed on: 16th April 2026

It helps in unexpected situations

I use this often. It helps in unexpected situations. I would recommend it to anyone. Reviewed on: 16th April 2026

a lot of sellers PayPal accepted

Pros Interest-free offers: Often 0% interest for 4 months on purchases over a certain amount Easy to use: Integrated directly into PayPal at checkout Quick approval: Fast application process Flexible payments: You can pay in instalments or early without penalties Cons High interest rate: If you don’t pay within the promotional period, interest can be quite high Affects credit score: Missed payments can negatively impact your credit Limited use: Only works where PayPal is accepted Temptation to overspend: Easy access to credit can lead to unnecessary purchases Overall Verdict Good for short-term borrowing if you are confident you can repay within the interest-free period Reviewed on: 16th April 2026

Good and very nice fastI like paypay so much everyda...

Good and very nice fastI like paypay so much everyday Nice Reviewed on: 16th April 2026

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