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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181121 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th 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 (181121)

PayPal is great, very handy for online transactions

PayPal is great, very handy for online transactions Reviewed on: 30th June 2026

Excellent service

Excellent service and when I called I was sent straight to an actual person both times. Easy to understand and my balance and repayments all ready via the app. Updated nearly instantly. Reviewed on: 30th June 2026

Good Customer Service

Have called customer service a number of times and I’ve always gotten through straight away or with little wait time. They are always polite and to the point and explain things clearly, always resolving my issues . Reviewed on: 30th June 2026

An amazing experience HANDS DOWN!!!!!

Honestly the flexibility you get from PayPal compared to other providers is soonmuch better I've never had a problem with them if I was unsure of something I rang up and they always helped me whenever I needed it and they explained everything with detail and discussing through properly and professionally. They never sounded forced to speak to me they were always helpful attentive and giving me a great experience when ever I needed it most and with the 0% interest for the first few months we'll that's just the cherry on top of the cake, never had a problem never had a fault and I can wholeheartedly say I can count on PayPal. Reviewed on: 30th June 2026

I’ve never had a bad experience with PayPal.

I’ve never had a bad experience with PayPal. Always excellent service and great customer support. Reviewed on: 30th June 2026

Useful, easy to pay back in the settlements.

Useful, easy to pay back in the settlements. Reliable. Reviewed on: 30th June 2026

PayPal Credit is a great option for flexible spendin...

PayPal Credit is a great option for flexible spending, especially if you already use PayPal regularly. One of the standout features is that it offers a card, which means you’re not limited to just online purchases—you can also use it in physical shops, making it much more convenient than many other credit options. The application process is straightforward, and having everything managed through your PayPal account makes it easy to track spending and payments. It’s particularly useful for spreading the cost of larger purchases. Overall, PayPal Credit is a simple, accessible, and versatile way to manage short-term credit, both online and in-store. Reviewed on: 30th June 2026

It's ideal for big purchases I love it.

It's ideal for big purchases I love it. Reviewed on: 30th June 2026

Easy and very accessible.

Easy and very accessible. Straight forward way to boost your spending power. Reviewed on: 30th June 2026

Very useful for spreading cost without interest charges

Very useful for spreading cost without interest charges Reviewed on: 30th June 2026

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