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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181119 reviews)

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4.73

Based on 181,117 reviews, last reviewed 12th Aug 2026

32% increase in 5 star reviews

in the past 90 days

47% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Straight forward Easy to use, no issues other than the rate after the promotional period. Reviewed on: 12th 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 (181119)

I’ve purchased many things using PayPal, PayPal cred...

I’ve purchased many things using PayPal, PayPal credit, pay in 3 etc. it’s so simple to use and always gives good fair deals on paying back without interest. If you need to speak to someone in customer service it’s extremely fast. And if you pay with PayPal you’re covered - so I tend to use it for lots of payments so I know I’m protected. The app is brilliant and very safe to use with two factor authentication easy to set up. They often do incentives for inviting friends to join too Reviewed on: 4th June 2026

Absolutely great with customer protection and always...

Absolutely great with customer protection and always super easy to operate! Reviewed on: 4th June 2026

To be honest, I have a lot of options to borrow to b...

To be honest, I have a lot of options to borrow to buy something, but PayPal is far my favourite. Reviewed on: 4th June 2026

Positive highly recommended

Not experienced any issues, very smooth and easy process. Reviewed on: 4th June 2026

Incredible performance on how they treat us and how...

Incredible performance on how they treat us and how Paypal chance transaction for us. I highly recommend this app Reviewed on: 4th June 2026

Easy and efficient to use

Transactions are very smooth and making payments is pretty simple. I often try to use monthly as it has such a positive impact on my credit score Reviewed on: 4th June 2026

i've been safe for purchasing items

i've been safe for purchasing items Reviewed on: 4th June 2026

Very easy online access to track spending & payments.

Very easy online access to track spending & payments. Reviewed on: 4th June 2026

Paypal credit has options

Paypal credit has options and offers flexibility to chose and plan Reviewed on: 4th June 2026

Fab, use all the time!

Easy to repay, gradual increase of limit as earnings went up, easy to increase. Good for making day to day payments safely and trusting that payments are protected. Reviewed on: 4th June 2026

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