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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)

A great way to use credit when funds are low without...

A great way to use credit when funds are low without putting it in the credit card Reviewed on: 9th June 2026

It is a handy way to save money.

It is a handy way to save money. Reviewed on: 9th June 2026

Easy to use and understand.

Easy to use and understand. No hard credit checks whilst increasing credit score! Reviewed on: 9th June 2026

positive experience

I've had a very positive experience using PayPal's Pay in 3 service several rimes over the last year. As I am on a very small 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

Quick fix

Like all credit. Its good when your short of cash. But can pay it off before interest starts Reviewed on: 9th June 2026

Really easy to use when paying for things and if the...

Really easy to use when paying for things and if there's any issues, pay pal are really quick to sort it out. That's why I always prefer to pay using pay pal. Reviewed on: 9th June 2026

Time lag

Wish there was less of a time lag between the transaction time and the time it hits my bank account. Reviewed on: 9th June 2026

PayPal your best friend.

My go to place to pay for goods, whenever possible. Reviewed on: 9th June 2026

It’s there when you need it .

It’s there when you need it .no hassle,no drama.simple to get around Reviewed on: 9th June 2026

Great way to shop with.

I feel PayPal credit is very easy to apply for and use once you get it, it’s very convenient to purchase the things you want at a drop of a hat. And as long as you keep your eye on the balance you owe and make regular payments your happy. Reviewed on: 9th June 2026

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