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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181054 reviews)

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4.73

Based on 181,053 reviews, last reviewed 26th Jul 2026

151% increase in 5 star reviews

in the past 90 days

203% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's a God send! My PayPal Credit account has been a God send on more than one occasion, from appliances breaking down, to emergency purchases. The pay in 3 option is ... Read more 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 (181054)

Paypal, not one issue in over a decade

I use PayPal on all my transactions online and have done for at least a decade. Not once have I had an issue Reviewed on: 9th June 2026

Find paypal very safe to shop online and paypal cred...

Find paypal very safe to shop online and paypal credit is very good and helps at paying for larger purchases to pay over 4 months at no interest Reviewed on: 9th June 2026

fast and reliable to use.

fast and reliable to use. points system made it easier as well Reviewed on: 9th June 2026

Highly recommended

Always found the app easy to use and customer service very helpful. It's very easy to find statements, make payments & check balances with a more than competitive APR. Reviewed on: 9th June 2026

I’ve found PayPal to be really helpful with disputes...

I’ve found PayPal to be really helpful with disputes, pay in 3 and credit is easy to manage - customer service is always helpful, telephone support could perhaps be better / easier to access Reviewed on: 9th June 2026

Always use PayPal credit without a problem

Always use PayPal credit without a problem Reviewed on: 9th June 2026

Convenient and Flexible Instalment Payments with PayPal

I regularly use PayPal, especially PayPal Credit, when purchasing products online, and it has been very useful for managing instalment payments. It makes checkout quick and allows me to spread the cost of purchases, which helps with budgeting larger expenses. One of the biggest benefits is the flexibility of paying in instalments without needing a separate credit card process. It’s widely accepted on many online stores, which makes it convenient for everyday shopping. However, there are some drawbacks. Interest or fees can apply depending on the repayment plan, and the credit limit may not always cover higher-value purchases. Occasionally, certain transactions may also be declined or restricted. Overall, PayPal Credit is a practical option for instalment payments and makes online shopping more manageable and convenient. Reviewed on: 9th June 2026

Simple and easy to use .

Simple and easy to use . Easy to navigate the app Reviewed on: 9th June 2026

GREAT IDEA!

This is good if you can't afford something all at once. it helps if I can spread the cost out, so this is ideal. Reviewed on: 9th June 2026

Safe online purchases and online credit

Longtime user of PayPal for secure purchases online. Now use PayPal credit and card as well. Easy and safe to use. Reviewed on: 9th June 2026

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