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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168985 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (169081)

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

Since I have been using PayPal is being good and sta...

Since I have been using PayPal is being good and stable Reviewed on: 7th July 2026

PayPal has been there when I need credit the most.

PayPal has been there when I need credit the most. Reviewed on: 7th July 2026

Recommend

Easy to apply for,there to use in 1 touch of your phone.APR,fair. Reviewed on: 7th July 2026

Pay in Three

Pay in three is a great system and if you need to contact customer service staff are always friendly and helpful and efficient. Reviewed on: 7th July 2026

Easy to use and many options for your everyday trans...

Easy to use and many options for your everyday transactions. Pay by 3 is really good option and also the credit option. Reviewed on: 7th July 2026

Convenient and easy to manage for larger purchases

I have had a positive experience using PayPal Credit, especially for larger purchases such as software for skill development and annual subscriptions for educational services. The application process was very straightforward from what I remember, and once set up, it has been easy to use. One of the main benefits for me is the convenience. PayPal is accepted on a wide range of websites, so PayPal Credit feels readily available when I need it. I also value the added sense of security and buyer protection that comes with using PayPal, particularly when buying online. The credit limit has been generous, which is useful, but it also means you need to be disciplined. I set up direct debit for the minimum payments so I know payments are covered automatically, but I also make larger manual payments when I can to keep the balance under control. This makes it feel manageable rather than stressful. The app and website are easy to use, and I have not needed to contact customer service because everything has been fairly intuitive. The only real drawback is the temptation to overspend, especially because PayPal Credit is so convenient and available on many purchases. Overall, I would recommend PayPal Credit to people who want flexibility for larger purchases and are confident they can manage repayments responsibly. Reviewed on: 7th July 2026

Just so easy to use, and never had an issue.

Just so easy to use, and never had an issue. Reviewed on: 7th July 2026

Have PayPal credit so easy to set up

Have PayPal credit so easy to set up and interest free Reviewed on: 7th July 2026

No better App for handling all money needs.

I’ve always felt completely safe transferring and paying with PayPal. I think it’s brilliant, no constant pestering with ads or texts just simple to use and pay on the app. I wish everything was this easy to use. Reviewed on: 7th July 2026

One of the most effective and Safe way to conduct a...

One of the most effective and Safe way to conduct a transaction. Reviewed on: 7th July 2026

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