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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181044 reviews)

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4.73

Based on 181,042 reviews, last reviewed 25th Jul 2026

168% increase in 5 star reviews

in the past 90 days

221% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I've always enjoyed using Paypal credit as it's so e... I've always enjoyed using Paypal credit as it's so easy to use and to pay. Reviewed on: 25th 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 (181044)

Easy to apply for easy to pay back.

Easy to apply for easy to pay back. Reviewed on: 9th June 2026

It’s so easy to use and straightforward

It’s so easy to use and straightforward Reviewed on: 9th June 2026

Paypal Credit-The flexible and secure payment system.

I have been using Paypal for many years, and have always found it to be fast, convenient and secure. The credit feature is highly beneficial in times when money doesn't quite stretch and adds that little bit of flexibility to modern life. Reviewed on: 9th June 2026

Secure and easy to use

Easy to use for purchases and secure whilst using the app. Offer to spread a payment over time is good, especially if no interest added to do so. Reviewed on: 9th June 2026

Ideal for purchasing items and paying later.

Ideal for purchasing items and paying later. Good online management and ability to pay more as and when as well as having a direct debit set up so payments automatically go through. Reviewed on: 9th June 2026

Easy to use and with no hidden fees

Easy to use and with no hidden fees Reviewed on: 9th June 2026

Excellent

Great . Wonderful experience . Got my PayPal credit in few minutes and I was able to purchase my phone Reviewed on: 9th June 2026

excellent service, provided with numerous reminders...

excellent service, provided with numerous reminders so payment dates are met. Reviewed on: 9th June 2026

Excellent customer service, any issues they deal wit...

Excellent customer service, any issues they deal with them straight away Reviewed on: 9th June 2026

Great Flexibility

PayPal credit is very easy to use for online purchases (even for things that are not that obvious, such as train tickets), but it’s the PayPal credit virtual card that is an absolute game changer. It really saved me in situations where my debit card didn’t work. I just added the PayPal virtual card to my wallet… and voilà — the payment was done immediately! Reviewed on: 9th June 2026

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