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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181133 reviews)

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4.73

Based on 181,133 reviews, last reviewed 24th Aug 2026

3% increase in 5 star reviews

in the past 90 days

15% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Makes life easier I use PayPal credit as my extra cash for bigger purchases, so that my monthly liquidity and other payments are not affected. It's very straightforward... Read more Reviewed on: 24th August 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 (181133)

Easy to apply

Very easy to apply, clear messaging about how it all works. Reviewed on: 4th July 2026

Secure and efficient

I find PayPal very efficient for making secure payments, especially when I am travelling. PayPal Credit is also helpful and convenient. Reviewed on: 4th July 2026

I love using the interest free, pay in 3 months option!

I love using the interest free, pay in 3 months option! Reviewed on: 4th July 2026

Peace of Mind with PayPal Credit

I trust Paypal to make payments and paypal credit gives me flexibility to make purchases if I need a couple of weeks to pay for the items, I like that I don't need to worry about charges which gives me peace of mind since I always settle the full amount at the beginning of the month (on pay day) Reviewed on: 4th July 2026

I've had the occasional problem with a seller not de...

I've had the occasional problem with a seller not delivering or subscriptions being set up that I hadn't authorised and PayPal has sorted it. Reviewed on: 4th July 2026

Best intrest rates around. used.

Have used Paypal/Credit for years now, Always great service and great intrest rates Reviewed on: 4th July 2026

Easy to use and great option for those bigger purchases

Easy to use and great option for those bigger purchases Reviewed on: 4th July 2026

Excellent service

Excellent service,can't complain. Reviewed on: 4th July 2026

Simple finance options makes purchasing easy.

Simple finance options makes purchasing easy. My only issue was there’s no easy way to pay direct debit on a regular specific day as repayments come out of the bank at seemingly random days within a set period which is annoying. Reviewed on: 4th July 2026

I always have a great experience with PayPal.

I always have a great experience with PayPal. Easy to use, reliable, and excellent customer service! Reviewed on: 4th July 2026

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