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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

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4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

Fantastic and always available for any eventuality

Fantastic and always available for any eventuality Reviewed on: 9th June 2026

Credit with Zero interest!

Typically use pay in 4 months with zero interest which helps spread the cost without any extra cost to myself. Able to use this service at a wide range of retailers. Always feel like I'm covered if anything were to go wrong. Reviewed on: 9th June 2026

PayPal is my best way of paying safely and with good...

PayPal is my best way of paying safely and with good paying facilities Reviewed on: 9th June 2026

I have been with PayPal for over 15 years, the evolu...

I have been with PayPal for over 15 years, the evolution of the features and options is evident and the improvement is tangible but more work is needed in having a better customer response time. Reviewed on: 9th June 2026

good but customer service not the best and high inte...

good but customer service not the best and high interest rates Reviewed on: 9th June 2026

PayPal is reliable and trustworthy.

PayPal is reliable and trustworthy. Two key differentiators. With the app as well you always have PayPal available for those special purchases. Reviewed on: 9th June 2026

Good and easy to follow the steps.

Good and easy to follow the steps. Nice to have options. Reviewed on: 9th June 2026

Never had a credit card before very easy to use and...

Never had a credit card before very easy to use and understand account Reviewed on: 9th June 2026

Affordable interest rates and easy to use

I've had an account with PayPal credit for several years now. They have been a great help during times of financial difficulty and have afford interest rates in compare to other credit lenders. They have recently, in the UK, allowed access to a physical card to be used in many more places than just online. This has been of great help as it has informed my decision to close my account with another credit lender. Reviewed on: 9th June 2026

PayPal is easy to use

PayPal is easy to use on PC, tablet or mobile phone and offers great choices of payment methods at great rates. Reviewed on: 9th June 2026

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