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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181052 reviews)

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4.73

Based on 181,048 reviews, last reviewed 26th Jul 2026

157% increase in 5 star reviews

in the past 90 days

208% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use app Easy to use but lots of encouragement to increase credit limit which could encourage people into debt Reviewed on: 26th July 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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.

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PayPal PayPal Credit reviews (181052)

Convenient yet manageable credit that gives flexibility

PayPal credit has been such a convenience, enabling me to make much needed purchases when I didn't have the full funds. Whilst it is advanced credit & should be carefully considered, the 0% over 4 months means I don't get into unsustainable debt and I can budget accordingly. Reviewed on: 9th June 2026

PayPal has been so unique in what they do to ease pe...

PayPal has been so unique in what they do to ease people to buy easier and with trust. They so quick at fixing issues in a correct order making sure both ends are happy. I appreciate buying on their site, knowing well that everything ll be fine with my money. Reviewed on: 9th June 2026

Always a great experience with PayPal!

Always a great experience with PayPal! You get rewarded for your loyalty as well as the company making it easy to get in contact if there’s ever an issue. The main thing is to be able to pay safely without the worry of other unsecured payment options. Great to have the option of 0% interest option via PayPal credit. Would love to see this option being able to be used everywhere though. Fantastic and trustworthy. Totally recommend. Reviewed on: 9th June 2026

It saved me when I was in a pickle

It saved me when I was in a pickle Reviewed on: 9th June 2026

great, easy to use and split payments in 3 without a...

great, easy to use and split payments in 3 without any extra charges Reviewed on: 9th June 2026

I have never had any issues with Pay Pal, they are a...

I have never had any issues with Pay Pal, they are always there to help resolve any issues and they are always very helpful. Reviewed on: 9th June 2026

Happy with the payment options, but exchange rates poor

Happy with the payment options, but exchange rates are poor (I use £/€). Reviewed on: 9th June 2026

First time using very easy to set up.

First time using very easy to set up. App is very convenient Reviewed on: 9th June 2026

PayPal Credit

I love how easy it is to buy things, I get points and 4 months interest free. Reviewed on: 9th June 2026

Easy to use, extra time to pay off over 4 months ins...

Easy to use, extra time to pay off over 4 months instead of the pay in 3 Reviewed on: 9th June 2026

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