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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)

Good customer service and they make sure the problem...

Good customer service and they make sure the problem is solved Reviewed on: 9th June 2026

Very simplied assess.

Very simplied assess. Easy to use Reviewed on: 9th June 2026

I use PayPal on all my purchases, it’s simple to use...

I use PayPal on all my purchases, it’s simple to use just two clicks, no hassle and quick at sorting out any issues I may have. It’s my best pal when I need to pay. Reviewed on: 9th June 2026

Very convenient why of budgeting when money is a lit...

Very convenient why of budgeting when money is a little tight Reviewed on: 9th June 2026

I love PayPal.

I love PayPal. It has been great for purchasing when I need to spread the cost. Any issues and I know I’m covered just like credit card purchases. Reviewed on: 9th June 2026

My paypal.

If I wanted them to sort something out they have always done it , staff are very good on the phone and will help . Reviewed on: 9th June 2026

PayPal credit is easy and has helped me when needed...

PayPal credit is easy and has helped me when needed Reviewed on: 9th June 2026

Easy to use and keep track of transactions

Easy to use and keep track of transactions Reviewed on: 9th June 2026

ItPaypal review's easy to use and understand.

It's easy to use and understand. Reviewed on: 9th June 2026

Very positive experience

I've had a very positive experience using PayPal's Pay in 3 service several times over the last year. As I am on a very limited budget, being able to spread the cost of purchases across 3 interest-free instalments has made it possible for me to buy higher-value items when needed. It's a simple and convenient way to manage my budget without having to pay the full amount upfront. I also appreciate that PayPal sends payment reminders before each instalment is due, which helps me stay organised and not get caught out by forgotten payments due. The process has always been straightforward, and I've never experienced any issues with the Pay in 3 service itself. In addition, I've found PayPal's customer service to be excellent whenever I've needed assistance with other matters. They've been helpful and given a timely response, which gives me confidence when using their services overall. The only improvement I would like to see is the introduction of additional payment options, such as Pay in 6 or Pay in 12. This would make it easier to spread the cost of larger purchases over a longer period without incurring extra charges. I highly recommend PayPal which I have found it to be reliable, and user-friendly :) Reviewed on: 9th June 2026

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