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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145412 reviews)

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4.73

Based on 145,393 reviews, last reviewed 26th Jun 2026

4346600% 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

Paypal is easy to use, the credit facilities are fan... Paypal is easy to use, the credit facilities are fantastic and the Paypal credit card application was a breeze and has very competitive rates. Reviewed on: 26th 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 (145412)

Excellent

PayPal is brilliant to spread the cost of things without paying interest. Very good for keeping your money safe. Definitely recommend! Reviewed on: 17th June 2026

PayPal is great, until it isn't!

PayPal is great, until You need to speak to somebody on the phone, then it's a nightmare. It has always been that way. Reviewed on: 17th June 2026

PayPal offers several ways to borrow.

PayPal offers several ways to borrow. It is quick, easy and secure to pay for things. Interest rate is quite high but a very convenient way to make purchases and have the option to pay over time. Reviewed on: 17th June 2026

Reliable, trustworthy and safe!

Reliable, trustworthy and safe! I use PayPal for most purchases, especially online shopping. I know that it is easy to deal with any problems as PayPal will help. I have never, in the years that I have used PayPal, had any problem and, on a few occasions, they have helped me get refunded from dubious suppliers. I 100% recommend PayPal and have now got the payment card in my purse and on my phone. I also have their credit card. Their repayment methods are simple and I feel reassured when making purchases with PayPal that my money is safe. It is also very easy to manage your account on the app. Reviewed on: 17th June 2026

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

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