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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145248 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145248)

it was very easy to apply for PayPal Credit

it was very easy to apply for PayPal Credit Reviewed on: 17th June 2026

PayPal credit is good only thing is the limit increa...

PayPal credit is good only thing is the limit increase takes a long time Reviewed on: 17th June 2026

Simply the best

It’s a seamless experience unusual in today’s financial world Reviewed on: 17th June 2026

I have always found PayPal to be a highly reliable s...

I have always found PayPal to be a highly reliable source as a payment method and to use as a credit card. Everything is straightforward and easy. I would happily recommend PayPal for anyone wanting to use this financial service. Reviewed on: 17th June 2026

Great decision, not looked back.

I have been using PayPal for many years. Utilising the features of paying in 3 payments. Then decided to take advantage of the credit option. This allowed me to expand my options on making larger purchases. It was easy to set up and as usual I feel protected by PayPal on my purchases. So haven't looked back on my decision Reviewed on: 17th June 2026

Great for building credit score

Very easy to use and I love that so many retailers accept it and also my credit score has increased Reviewed on: 17th June 2026

Easy to use app with all what you need for day to da...

Easy to use app with all what you need for day to day visibility. I particularly love the pay over 4 months with 0% interest Reviewed on: 17th June 2026

Affordability

I’m very grateful for having being able to afford products due to the oaypal credit and oay in 3 options Reviewed on: 17th June 2026

I feel safe using PalPay.

I feel safe using PalPay. I use it for all my holiday bookings. I’ve never had any issues and a recent cancellation was processed quickly. During Covid I receive all holiday expenses back including flights and accommodation. PayPal credit is a saviour, not for credit but for the safety of transactions. Reviewed on: 17th June 2026

easy and simple

Its easy, affordable, integrated in to many online shops, the physical card allows me to use it in person not just online. Repayments are transparent easy Reviewed on: 17th June 2026

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