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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181052 reviews)

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4.73

Based on 181,048 reviews, last reviewed 26th Jul 2026

157% increase in 5 star reviews

in the past 90 days

208% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use app Easy to use but lots of encouragement to increase credit limit which could encourage people into debt 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 (181052)

Great app ! Very easy to access

Easy to use, safe and secure. Cost can be spread in 3 installs to make payments affordable Reviewed on: 17th June 2026

great service,

great service, helped with dispute, use for a lot of features including pay in three and pay later Reviewed on: 17th June 2026

Been using PayPal credit for a couple of years

Been using PayPal credit for a couple of years , 3 months credit 0% brilliant , then comes along PayPal credit Debit card , use it anywhere better than the major banks use and better terms Reviewed on: 17th June 2026

only had a couple of issues ..

Have only had a couple of issues in the 10+ years that I have used paypal. I think the help section could be a bit better but overall have hasmd a reasonably good experience Reviewed on: 17th June 2026

A1 service

I was having issues with my account, but the agent sorted in minutes so professional Reviewed on: 17th June 2026

easy setup, helpful support, minor billing gripe

PayPal Credit has been a pretty good experience overall. It was easy to set up, and the 0% interest for 3 months promotion has come in handy. I’ve reached out to customer support a few times and they’ve always been quick and helpful. My only gripe is that the statements aren’t super clear — it’d be great to have the option to pay off individual purchases rather than just the total balance. Reviewed on: 17th June 2026

Great customer services.

Great customer services. Quick and easy spending, easy payments Reviewed on: 17th June 2026

Present made possible

Didn’t think I’d even get PayPal credit so when I was accepted I was able to buy my son his main birthday present which was a proper big lads scooter. Reviewed on: 17th June 2026

There is not much to tell , service is great .

There is not much to tell , service is great . Been using PayPal for ages 18 years never had an issue so that’s should tell you all you need Reviewed on: 17th June 2026

.interest rate

The internet rate is high for me Reviewed on: 17th June 2026

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