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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175049 reviews)

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4.73

Based on 174,829 reviews, last reviewed 10th Jul 2026

1347% increase in 5 star reviews

in the past 90 days

1212% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Ease of use All seemed to go through easily without too much hassle. Reviewed on: 10th July 2026

Latest lowest rating:

2

I working with paypal between 5 or 6 years , when is... I working with paypal between 5 or 6 years , when is something wrong paypal don't help me , why i used , have another credit company the process is mo... Read more Reviewed on: 10th 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.

PayPal PayPal Credit reviews (175075)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Great so far, am happy about the opportunity to pay...

Great so far, am happy about the opportunity to pay later Reviewed on: 8th July 2026

Its a fantastic way to make payments through PayPal...

Its a fantastic way to make payments through PayPal credit its so easy to set up thats why a always use this app Reviewed on: 8th July 2026

Best method for paying for purchases

I have been using paypal to purchase ebay products for many years now. Ilike the offer to pay for products i terest free for 3 months. Reviewed on: 8th July 2026

Always use this Card

Always pay with PayPal when using a card Reviewed on: 8th July 2026

Pay pal credit has helped so much when we have neede...

Pay pal credit has helped so much when we have needed more time to pay for things! Reviewed on: 8th July 2026

All good here.

All good here. Like all credit though, if you can't afford it without credit, you can't afford it with.. That said, no problem with PayPal.. Reviewed on: 8th July 2026

Great service, very helpful when concerns are raised...

Great service, very helpful when concerns are raised, monthly instalments are manageable, always ask if an increase is wanted. Regular communication regarding bills and benefits available. Highly recommend. Reviewed on: 8th July 2026

I have been using PayPal for many years, recently ap...

I have been using PayPal for many years, recently applied for credit card. It is such a good deal and value of money. It is very convenient with the physical card and virtual way to use. Reviewed on: 8th July 2026

Overall, I've been happy with PayPal Credit.

Overall, I've been happy with PayPal Credit. It's convenient to use, the application process was straightforward, and the promotional finance offers can be really useful. My only criticism is how payments are allocated when you have multiple purchases. I assumed that making substantial payments each month would reduce my oldest promotional balance, but instead the payments appeared to be applied elsewhere. As a result, a 0% promotional purchase wasn't cleared before the offer ended, and I was charged interest despite having paid far more than the original purchase amount into the account over that period. It would be much clearer and fairer if customers could choose which purchase their payments are applied to, or if the app made payment allocation more transparent. Aside from that, I've had a positive experience using PayPal Credit. Reviewed on: 8th July 2026

Quick apply and smooth transactions

Quick apply and smooth transactions Reviewed on: 8th July 2026

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