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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181054 reviews)

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4.73

Based on 181,053 reviews, last reviewed 26th Jul 2026

151% increase in 5 star reviews

in the past 90 days

203% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's a God send! My PayPal Credit account has been a God send on more than one occasion, from appliances breaking down, to emergency purchases. The pay in 3 option is ... Read more Reviewed on: 26th July 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 (181054)

Basic credit easy to use but high apr

Basic credit easy to use but high apr Reviewed on: 18th June 2026

Over 20 years using PayPal

I hAve used PayPal for many years now , 2 decades and have never had any issues other than one time which was my direct debit was coming out and PayPal quickly fixed the issue , love having PayPal there to help out with those much needed purchases and at 0% interest Reviewed on: 18th June 2026

Excellent and user friendly

An excellent free service which is very convenient and user friendly. The point system is an added bonus Reviewed on: 18th June 2026

Love it thanks

Enjoying spreading the cost over a period of time,thank you PayPal. Love it Reviewed on: 18th June 2026

All over the World

Ease of making transactions knowing that monies are safe. Wherever in the world you know that you can depend on PayPal to deliver. Reviewed on: 18th June 2026

I think it’s an ok service and good flexibility

I think it’s an ok service and good flexibility Reviewed on: 18th June 2026

smooth ride

It’s been absolutely smooth sailing will be recommending to everyone I know, really straight forward payments Reviewed on: 18th June 2026

Holidays using four months interest free

Use PayPal for holidays, using the four month interest free option allowing a few annual holidays at the best price available Reviewed on: 18th June 2026

Its such a straightforward process.

Its such a straightforward process. Very easy to do what i needed Reviewed on: 18th June 2026

I’ve used PayPal’s customer service a few times and...

I’ve used PayPal’s customer service a few times and always found them to be perfectly okay — helpful enough and able to sort out what I needed. As for PayPal itself, it’s a great service overall. It’s easy to use, reliable, and makes online payments simple and secure. No complaints from me. Reviewed on: 18th June 2026

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