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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th 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 (181143)

Always great ,customer service is amazing

Always great ,customer service is amazing Reviewed on: 9th June 2026

Excellent it backing you

It’s very handy to have especially when things get tough Reviewed on: 9th June 2026

PayPal is extremely easy and flexible to use

PayPal is extremely easy and flexible to use Reviewed on: 9th June 2026

I love PayPal credit and have used it for years.

I love PayPal credit and have used it for years. The fact you get four months to pay it off at 0% interest is just brilliant and I can’t think of another provider who offers this. The process is very transparent and within the PayPal app you can see what you bought, how much it was and its balance. Reviewed on: 9th June 2026

There was an issue on my account and when speaking w...

There was an issue on my account and when speaking with customer services they sorted it out straight away. Reviewed on: 9th June 2026

quick and secure service love it

quick and secure service love it Reviewed on: 9th June 2026

The best payment option for all use purchases by far.

I use PayPal for every single online purchase even sometimes in store. Any problems that have ever arisen then PayPal have sorted it out efficiently and hassle free. This is why i swear by PayPal Reviewed on: 9th June 2026

I have been using PayPal for a long time.

I have been using PayPal for a long time. PayPal credit is very easy to use, easy to pay back, the interest is good and sometimes free for 4 months. It also allows pay in 3s and such. It is a good way for online shopping and with a physical card now, I feel a lot better when I need to use credit to get by because I know it won't get immediately inflated by interest and I'll have enough time to pay. They kindly remind you to pay the minimum amount monthly and if you ever forget, which has happened once to me, you can either set up a direct debit or you will get a call from them asking you to kindly make the payment. It is great, they are not intrusive and very friendly. Reviewed on: 9th June 2026

Using PayPal has really helped with my finances.

Using PayPal has really helped with my finances. Also, they are easy to reach and help me to sort out any issue promptly Reviewed on: 9th June 2026

Even better now, you have a physical card.

I have used PayPal for a number of years initially to use it for eBay but then I started using it for all of my online transactions. It’s great to use having the credit is very useful. It means I can get anything and it’s all in one place and I pay it in the bill comes in. They’re amazing at dealing with any disputes they do it fairly and swiftly. And now that I’ve got a physical card, I can use it when I do my groceries happy days. Reviewed on: 9th June 2026

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