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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145375 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% 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

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th 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 (145375)

Spreading the cost on big purchases

PayPal credit allows me to spend and speed the cost of payments over a period of time. It really helps me out when I have a bigger item that I need to buy but don’t have the upfront cost straight away. I’d recommend it to anyone Reviewed on: 6th May 2026

Good and bad

Good for doing food shopping if running low on funds, but bad if you don't have the funds the following month to pay off paypal Reviewed on: 6th May 2026

Simple and efficient

Every time I have needed to use PayPal credit it has been simple and easy to use. It is simple to increase and decrease credit limits and the response to queries is fairly quick. Most online stores accept PayPal which makes paying online safer too. Reviewed on: 6th May 2026

I trust PayPal

I use PayPal for credit payments alot, they send reminders when my payments are due and their customer service is faultless! They also offer different credit options so I can budget easily. When buying online, if I don't see PayPal as a payment option, then I would rather not make a purchase, because I know I am safe when using PayPal, thank you! Reviewed on: 6th May 2026

Easy approval and user interface is good

Easy approval and user interface is good Reviewed on: 6th May 2026

Easy to access and manage

Easy to access interest free finance and very easy to manage. Never pay interest again. Great credit limits too Reviewed on: 6th May 2026

Best credit I've had

It is so easy to apply and has helped with so much during a hard time with it being accepted most places. Reviewed on: 6th May 2026

AMAZING APP

Im using sine 2022 Service and Application is fabulous… Reviewed on: 6th May 2026

Very helpful and easy to use with many online sites

Very helpful and easy to use with many online sites Reviewed on: 6th May 2026

I have never had a problem with Paypal credit, I lik...

I have never had a problem with Paypal credit, I like that they send updates and clear statements so you can view your spend and not get too carried away. The app is also very user friendly which I love. I feel safe using paypal as its very reputable. Reviewed on: 6th May 2026

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