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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181138 reviews)

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4.73

Based on 181,137 reviews, last reviewed 31st Aug 2026

10% decrease in 5 star reviews

in the past 90 days

4% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used Pay Pal credit for a few years now, fantas... I’ve used Pay Pal credit for a few years now, fantastic and low repayments Reviewed on: 31st August 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 (181138)

Excellent source of payment!.

Excellent source of payment, always giving different options Reviewed on: 8th June 2026

Easy and quick to use

Easy and quick to use, simple interface which is easy to understand and have experienced no issues so far Reviewed on: 8th June 2026

Very easy and convenient payment method and Pay 3 in...

Very easy and convenient payment method and Pay 3 in 1 option to spread the cost of purchases. Reviewed on: 8th June 2026

Easy and Convenient to use.

Easy and Convenient to use. I’m using it more frequently. Reviewed on: 8th June 2026

Brilliant Flexible Credit That Makes Life Easier!!

I’ve been using PayPal Credit for over a year now, and it has honestly been such a helpful addition to my finances. What I love most is how quick and easy it is to apply and get approved—everything happens right within my PayPal account, no long forms or complicated checks, and I got a decision in minutes. The best feature by far is the interest-free offer on purchases over a certain amount. It lets me spread the cost of bigger buys—whether it’s new appliances, furniture, or even holiday shopping—without paying any extra, as long as I pay it off within the promotional period. That flexibility is a game-changer; it helps me manage my budget perfectly without stress. Repayments are super straightforward too. I can choose to pay the minimum, pay more, or clear the balance early whenever I want, all directly through my PayPal app or online. No hidden fees, no confusing small print—everything is clear from the start. The app also lets me see my balance, due dates, and statements instantly, so I’m always in control. Customer service has been great whenever I’ve had a quick question—friendly, helpful, and fast to respond. I also feel really secure using it because it’s backed by PayPal’s trusted protection, so I know my purchases and payments are safe. If you’re looking for a simple, reliable way to manage your spending with flexible terms and great offers, PayPal Credit is absolutely worth it. It’s made my shopping and budgeting so much smoother, and I wouldn’t hesitate to recommend it to anyone. 10/10! Reviewed on: 8th June 2026

The app is very easy to use and good selection of fl...

The app is very easy to use and good selection of flexible payment methods. Reviewed on: 8th June 2026

Wouldn’t use any other credit.

Wouldn’t use any other credit. A1 service and great customer service. I highly recommend PayPal credit, especially take 3 :) Reviewed on: 8th June 2026

I haven’t had any problems at all.

I haven’t had any problems at all. Reviewed on: 8th June 2026

Fantastic service, very good for all your credit needs.

Fantastic service, very good for all your credit needs. Paypal has many avenues you can choose from and offer help and advice if you aren’t sure. Really helped me build my own business from scratch, recommend Reviewed on: 8th June 2026

Quick and easy to use.

Quick and easy to use. Simple and clear. Reviewed on: 8th June 2026

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