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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)

I've been using PayPal for over 15 years.

I've been using PayPal for over 15 years. I love the convenience of shopping with one click and knowing that my details are secure Reviewed on: 21st June 2026

It was Good experience over, very helpful

It was Good experience over, very helpful Reviewed on: 21st June 2026

I like that Paypal provides flexible options

I like that Paypal allows me to paypal allows me to pay over a few months for unexpected purchases. Reviewed on: 21st June 2026

Paypal credit has been a financial lifesaver!!

I use Paypal credit frequently to make my purchases online. It has given me the added protection of using Paypal alongside the bonus of borrowing money till I get paid. Having 0% apr for six months in purchases, has enabled me to use the credit to get me out of some difficult times financially, but enabled me to get back on my feet by paying it all back to paypal by the period due. I can pay back in smaller increments or large and have full independence and control over my payments. I like having a bank card for this that i can make physical payments if I need to, alongside the option of using apple pay when necessary. Reviewed on: 21st June 2026

Excellent PayPal

PayPal has been excellent for providing a way of still buying the things I want whilst spreading the cost. Reviewed on: 21st June 2026

So easy and ready to use with actual perks for using...

So easy and ready to use with actual perks for using it! Reviewed on: 21st June 2026

Handy 3 instalments and 4 months 0% interest

I use paypal 3 instalments and 0% interest for 4 monts regularly...quite handy... Reviewed on: 21st June 2026

Payment Recovery

Had afew difficulties with payments needed clawing back and they helped oit massively Reviewed on: 21st June 2026

Very easy to use, decision in a few seconds

Very easy to use, decision in a few seconds Reviewed on: 21st June 2026

User friendly

User friendly and convenient and available everywhere Reviewed on: 21st June 2026

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