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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145399 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 (145399)

Excellent customer service whenever I do have any is...

Excellent customer service whenever I do have any issues they do resolve staff is very kind and help full 100% satisfy.. Reviewed on: 6th May 2026

Good to use for blue points and having 0%interest fo...

Good to use for blue points and having 0%interest for 4 months, when in a difficult time, it's very handy to have. Reviewed on: 6th May 2026

Paypal credit is great.

Paypal credit is great... has a great app so you can navigate real easy.. see all transactions and balance. Reviewed on: 6th May 2026

Brilliant CS

On the couple of occasions that I have had a problem (not PP's fault) paypals CS have been amazingly efficient, sorting the problem immediately Reviewed on: 6th May 2026

Very easy to use, works on most platforms and intere...

Very easy to use, works on most platforms and interest free for 4 months is awesome. Try to use it wherever I can as it also offers the peace of mind that shopping with Paypal provides. Reviewed on: 6th May 2026

Very easy to use, and help is always provided if I n...

Very easy to use, and help is always provided if I need it. Reviewed on: 6th May 2026

The best

So easy to use , great app wouldn’t use anyone else Reviewed on: 6th May 2026

Easy Spending, Serious Terms: My PayPal Credit Journey

I’ve been using PayPal for several years, including their credit system, and overall my experience has been very positive. The platform itself is incredibly convenient—payments are quick, widely accepted, and easy to manage through both the app and website. What stands out most about PayPal Credit is the flexibility it offers. The ability to spread payments over time, especially with promotional interest-free periods, has been genuinely helpful for managing larger purchases without immediate financial strain. The application process was straightforward, and the credit limit provided was reasonable based on my profile. I also appreciate the transparency in tracking balances, statements, and due dates. Everything is clearly laid out, which makes it easier to stay on top of payments and avoid unexpected fees. Customer service has generally been responsive when I’ve needed support. Overall, PayPal and its credit system offer a reliable, flexible, and user-friendly way to manage online payments and short-term financing. Reviewed on: 6th May 2026

Convenience of PayPal credit

Easy to use and does nut delay checkout by any significant amount of time. Reviewed on: 6th May 2026

Paypal Credit is the best way to make your purchases!

I’ve been using PayPal Credit for a while now, and I can honestly say it’s made managing my online purchases much easier. The application process was straightforward, and I was approved quickly, which meant I could start using it almost immediately. One of the biggest advantages for me is the flexibility it offers. Being able to spread the cost of purchases over time has really helped with budgeting, especially for larger or unexpected expenses. I also appreciate the promotional offers, like interest-free periods on certain purchases, which make it even more convenient and cost-effective when used responsibly. The integration with PayPal is seamless, so whenever I check out online, it’s right there as an option. That convenience saves time and makes the whole process feel smooth and secure. I also like how easy it is to track my spending and repayments through my account. Overall, I’m really happy using PayPal Credit. It’s reliable, easy to use, and gives me that extra financial flexibility when I need it. As long as you stay on top of repayments, it’s a very useful tool for managing purchases. Reviewed on: 6th May 2026

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