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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181096 reviews)

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4.73

Based on 181,095 reviews, last reviewed 4th Aug 2026

69% increase in 5 star reviews

in the past 90 days

105% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal value for money Excellent value and able to pay off in interest free installments Reviewed on: 4th 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 (181096)

So easy to use, buying things made quickly and can u...

So easy to use, buying things made quickly and can use on almost any online site Reviewed on: 21st June 2026

PayPal is great for every occation

I have use PayPal credit card on many occasions for safe purchases online as well as shop purchases, the peace of mind I get and service is great. The rates are good and comparable with other cards for larger purchases and terms very generous. I would highly recommend PayPal for ease of use, flexibility and ease of controlling finances. Reviewed on: 21st June 2026

Perfect grace period of interest free credit

Paypal credit is super easy to use and gives a decent grace period to pay back at zero interest. I prefer this for larger purchases to putting it on my credit card because you either only have a few weeks to pay the full amount back or you make an interest free transfer to another card but the lead times are so long that you are just delaying the inevitable and often end up moving that debt around rather than paying it off completely. I think 4 months is a perfect time as it makes paying the debt doable but makes you think carefully about the purchase. Its also instant. Reviewed on: 21st June 2026

Good service...

Any issue I have had has been dealt with positively by customer service. Otherwise dealing with PayPal has been very easy. Reviewed on: 21st June 2026

Always manage to get help when needed

Always manage to get help when needed Reviewed on: 21st June 2026

Makes shopping online so much easier

PayPal Credit has honestly made shopping online so much easier. The no-interest-if-paid-in-full thing is clutch for bigger purchases — I can spread out payments without stressing about interest as long as I pay it off in time. It’s built right into PayPal so checkout is super smooth, no extra app needed, and it works basically everywhere PayPal does. Approval was fast too, and I was using it almost right away. Highly recommend if you shop online a lot and want a little extra flexibility without reaching for a credit card. Reviewed on: 21st June 2026

Excellent with an A Graded services

Excellent services with an A Graded services Reviewed on: 21st June 2026

Easy to use and talk to customer service.

Easy to use and talk to customer service. Reviewed on: 21st June 2026

Always been great, only online payment I use

Always been great, only online payment I use Reviewed on: 21st June 2026

PayPal well worth it

I started using PayPal several years ago & wouldn't use anything else now . So easy to use . Reviewed on: 21st June 2026

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