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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 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 (181147)

PayPal problem

I had a se security issue with my account as I thought it had been hacked after an advert on Facebook caused problems and concerns and they were very quick and helpful in resolving it.I was quickly put at ease that my account was secured Reviewed on: 9th June 2026

0% period on initial purchases for the win

The 0% period on initial purchases are a great extension of the general PayPal offer but allow that extra flexibility for larger purchase to utilise a period of credit - keeping the overall interest down. The credit limit is generous but realistic. Reviewed on: 9th June 2026

Allows flexible payment options

The pay in 4 is great it’s interest free and if managed correctly is excellent Reviewed on: 9th June 2026

I have been using PayPal Credit for a while now, and...

I have been using PayPal Credit for a while now, and it has genuinely been a fantastic financial tool for me. I find it to be a highly reliable and useful service that fits seamlessly into my day-to-day budgeting. What makes it so good is the sheer convenience and flexibility it offers. Having a reusable credit line integrated right into my existing digital wallet makes checking out incredibly simple, without the hassle of constantly entering card details. It is perfect for breaking down larger, unexpected expenses into manageable chunks, allowing me to spread the cost without putting a sudden strain on my monthly cash flow. If you are disciplined with your payments and utilize it properly, it is an incredibly practical service. It has done exactly what I needed it to do, it operates smoothly, and it has become a staple in how I manage my online purchases. I highly recommend it to anyone looking for a bit of extra financial flexibility Reviewed on: 9th June 2026

Quick and easy to use and manage.

Quick and easy to use and manage. The app works really well and has everything you need to stay on top of your finances. Reviewed on: 9th June 2026

The ultimate paying service with benefits

The service is unrivaled when it comes to making payments. Not only does it provide multiple paying options, they assist with transactions that otherwise wouldn’t be possible. The buy not pay later option can be utilised to spread costs or for payments to be made later when money may be more accessible. Reviewed on: 9th June 2026

PayPal is my go to for online shopping

PayPal is efficient, convenient and I feel full secure using it Reviewed on: 9th June 2026

peace of mind

I've never been more at peace knowing that whenever I need to buy something and can't afford it at that moment, Pay Pal credit is available and I can use it. Easy to access, multiple options, opportunities, a wide range of options for my benefit one click away. Reviewed on: 9th June 2026

Paypal credit is excellent.

Paypal credit is excellent. I have an extremely good experience and the 0% interest for 4 months is a great benefit. Reviewed on: 9th June 2026

PayPal makes paying for things online feel 100% more...

PayPal makes paying for things online feel 100% more safe as you know if anything goes wrong they will cover you. Reviewed on: 9th June 2026

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