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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147039 reviews)

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4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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.

PayPal PayPal Credit reviews (147039)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Great experience & helpful people

Great experience & helpful people Reviewed on: 17th June 2026

Paypal credit is excellent to use easy to understand...

Paypal credit is excellent to use easy to understand and great value for money Reviewed on: 17th June 2026

Easy to use

It’s easy to and use so convenient for paying matters Reviewed on: 17th June 2026

Convenient, easy to use facility!

Very convenient to have paypal credit - 0% over 4 months helps to budget effectively; having the same facility via the mastercard credi card is a bonus. Thank you :) Reviewed on: 17th June 2026

So accessible and clear!

So accessible and clear! Very easy to use. I feel PayPal is an honest brand and trustworthy. I will totally recommend PayPal to my friends. Reviewed on: 17th June 2026

Has helped me!

I initially used Paypal credit to buy my first MacBook Pro which cost around 4K. This applied an automatic limit of 4K to my PayPal credit account. I used to have no credit score as I'd never borrowed before which meant I was always unable to borrow. But doing this, gradually paying back the laptop through editing work meant I eventually increased my credit score which is now a very good rating, and I use Paypal Credit frequently now while I'm in-between freelance pay checks. Reviewed on: 17th June 2026

Helpful options on credit spends and how to pay back.

Helpful options on credit spends and how to pay back. Reviewed on: 17th June 2026

Ease of use as well as a decent website

Ease of use as well as a decent website Reviewed on: 17th June 2026

Top marks

Everything has been perfect for me Reviewed on: 17th June 2026

Very easy to use and provides a service that gives y...

Very easy to use and provides a service that gives you that bit of ease when coming to spreading payments. Reviewed on: 17th June 2026

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