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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181094 reviews)

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4.73

Based on 181,094 reviews, last reviewed 3rd Aug 2026

93% increase in 5 star reviews

in the past 90 days

135% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

A little different than your average credit card Has been a great facility, overall cheaper than your average credit card Reviewed on: 3rd 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 (181094)

Fast approval and excellent for splitting bigger pur...

Fast approval and excellent for splitting bigger purchases Reviewed on: 21st June 2026

Easy to use and guaranteed protection.

Easy to use and guaranteed protection. Reviewed on: 21st June 2026

Credit and Savings

I just bought a phone using Paypal credit. Not only did they offer interest free but also a discount. Application was super easy just a few clicks. Who could ask for anything more Reviewed on: 21st June 2026

Have always had a great experience with them and alw...

Have always had a great experience with them and always there if there is a problem Reviewed on: 21st June 2026

PayPal are always there for me when I need them.

PayPal are always there for me when I need them. Interest free credit and flexible payment plans means that I’m able to buy the things I want and need for my family without the worry. In a world where money is tight at the moment, PayPal make things feel more achievable and management. Reviewed on: 21st June 2026

Paypal and PayPal credit

I've been using PayPal and PayPal Credit for several years, and overall, I've had a very positive experience. PayPal makes online payments quick, secure, and convenient, allowing me to shop with confidence without sharing my card details directly with every retailer. The platform is easy to use, transactions are processed quickly, and I appreciate the added buyer protection when making purchases online. PayPal Credit has also been extremely useful for managing larger purchases. The option to spread the cost over time and take advantage of promotional financing offers has provided valuable flexibility when budgeting. The application process was straightforward, and the account management tools make it easy to track balances and payments. Customer service has generally been responsive whenever I've needed assistance, and I find the mobile app particularly convenient for monitoring transactions and managing my account on the go. Overall, I would highly recommend both PayPal and PayPal Credit to anyone looking for a secure, reliable, and flexible way to make online purchases and manage payments. Reviewed on: 21st June 2026

Interest free for 4 months is great, would be nice i...

Interest free for 4 months is great, would be nice if payments to PayPal cleared a little faster, can take numerous days Reviewed on: 21st June 2026

Simple to use but not so simple to find where to pay...

Simple to use but not so simple to find where to pay the credit off. Reviewed on: 21st June 2026

So easy to use.

So easy to use and complete control over what you have paid and how you manage your credit in the app. So much more transparent and easy than a credit card, and it really helps that you manage your PayPal credit alongside the other PayPal functions. It all feels very secure and much more intuitive than other credit sources. Reviewed on: 21st June 2026

Great company to deal with very helpful.

Great company to deal with very helpful. Make purchases effortless Reviewed on: 21st June 2026

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