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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181131 reviews)

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4.73

Based on 181,131 reviews, last reviewed 21st Aug 2026

8% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Nothing hidden, simple to use. Nothing hidden, simple to use. Convenient for making those larger purchases, especially when they are unexpected Reviewed on: 21st 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 (181131)

For smaller purchases when you just need a little cr...

For smaller purchases when you just need a little credit to pay in 3 or larger over 12 months, PayPal is a winner. Reviewed on: 8th June 2026

Simple and efficient

It has always been simple to use, and I have never had a problem. The due dates are specified so you know when you need to pay things back. Reviewed on: 8th June 2026

It’s fast ,simple and safe.

It’s fast ,simple and safe.Smooth application process Reviewed on: 8th June 2026

A great tool for my professional development

I’ve been using PayPal Credit for a while now, and it’s been incredibly helpful for financing my professional development. I recently used it to pay for voice acting classes to help expand my own training business. Being able to break up large upfront course fees into manageable chunks makes investing in my career way less stressful. The integration into the standard PayPal checkout is seamless, and tracking my balance in the app is straightforward. The interest-free introductory windows are fantastic as long as you plan ahead and stay on top of your payments. My only minor critique is that the customer service response times can be a bit slow if you have a specific billing question, but as a pure financing tool, it does exactly what I need it to do. Reviewed on: 8th June 2026

Great app helps me a lotyou are on a bu...

So helpful for splitting payments if you are on a budget. Really great feature and app is really user friendly. Very clear and precise. Easy to trace all your transactions so you can keep track of your spending Reviewed on: 8th June 2026

Excellent selection of offers to help with larger pu...

Excellent selection of offers to help with larger purchases too. App is clear and easy to use with good UI and help tools within to help with account management Reviewed on: 8th June 2026

PayPal makes it easy and can help to spread purchase...

PayPal makes it easy and can help to spread purchases safely Reviewed on: 8th June 2026

Very good, services and experience

Very good, services and experience Reviewed on: 8th June 2026

Always very prompt answering any questions or querie...

Always very prompt answering any questions or queries trust them with big purchases to resolve any issues that occur. Reviewed on: 8th June 2026

Always helpful and good service.

Always helpful and good service. Never have any issues, app is easy to use. Reviewed on: 8th June 2026

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