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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181133 reviews)

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4.73

Based on 181,132 reviews, last reviewed 23rd Aug 2026

4% increase in 5 star reviews

in the past 90 days

18% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Comes in handy when needed easy to use and understand Comes in handy when needed easy to use and understand Reviewed on: 23rd 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)

Convenient and useful

Handy and useful to have and use for online purchases. Pay three make purchasing higher cost item easier to pay back without the extortionate interest rates you would get for other lenders. Reviewed on: 4th July 2026

Quite simply, it’s so easy and safe to use

Quite simply, it’s so easy and safe to use Reviewed on: 4th July 2026

Always has different options for paying for purchase...

Always has different options for paying for purchases so that you do not have to worry Reviewed on: 4th July 2026

Thank you for when I needed it the most

Paypal credit's 0% for 4 months has given me breathing space when I’ve needed it most. For me, it’s not about online shopping, but about the unexpected moments life throws at you — like the many trips to the vet with my best friend or when my washing machine broke. The blue card in my purse is like my little safety net that says ‘I’ve got you’. Reviewed on: 4th July 2026

Fast, reliable and easy to use

I've been using PayPal Credit for a while now, and my experience has been very positive. The application process was straightforward, payments are easy to manage, and the online account is simple to use. It's a convenient way to spread the cost of larger purchases, and everything has worked smoothly. Customer service has also been helpful whenever I had a question. Overall, I'm very satisfied and would recommend PayPal Credit to anyone looking for a flexible and reliable payment option. Reviewed on: 4th July 2026

Easy to apply, and a decision provided instantly

It was really easy to apply, and a decision was provided instantly. It displayed the rate offered and included 0% for the first 4 months. Reviewed on: 4th July 2026

Thank you PayPal

I like PayPal credit it help me organise finances especialy during large expanses. Reviewed on: 4th July 2026

Great way to spread the cost without stressing of on...

Great way to spread the cost without stressing of one big payment. Used PayPal credit for 2 holidays now and I couldn’t be happier! So grateful to have the option to use it. Would highly recommend it to family and friends. Reviewed on: 4th July 2026

Easy to use

Easy to use easy to manage great integration with phone. Reviewed on: 4th July 2026

apr is a bit high, otherwise never had any issues

apr is a bit high, otherwise never had any issues Reviewed on: 4th July 2026

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