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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145328 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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.

PayPal PayPal Credit reviews (145328)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I use PayPal credit alot it's great for small or big...

I use PayPal credit alot it's great for small or big purchases Reviewed on: 15th June 2026

Excellent and convenient to use.

Excellent and convenient to use. Reviewed on: 15th June 2026

User friendly no issues

Never had an issue so far, user friendly and not had to contact customer service once Reviewed on: 15th June 2026

Very easy to use, organised clear app.

Very easy to use, organised clear app. Lots of help is available too , over chat or call which I really like. I feel all my information is kept very secure and confidential with PayPal Credit too. Reviewed on: 15th June 2026

Never had a problem when using PayPal credit or pay...

Never had a problem when using PayPal credit or pay in 3 Reviewed on: 15th June 2026

The credit card and debit card features

The credit card and debit card features in my experience has been amazing, has helped me in my daily routine. Reviewed on: 15th June 2026

Terms and conditions are as clear and descriptive as...

Terms and conditions are as clear and descriptive as day, no hidden charges or commitments. Repayment time is fair, and the staffs are very helpful. Reviewed on: 15th June 2026

Perfect for spreading big costs out

Perfect for spreading big costs out Reviewed on: 15th June 2026

Clear and responsive

Received clear and responsive support when needed Reviewed on: 15th June 2026

Great flexible way to spread costs

I’ve had a really positive experience using PayPal Credit. It’s a straightforward and convenient option for spreading the cost of larger purchases without the hassle of applying for traditional credit every time. What I particularly like is how seamlessly it integrates with PayPal—when you’re checking out online, it’s just there as an option, and the process is quick and easy. The interest-free periods (when offered) are a big plus, especially for planned purchases, and the app makes it simple to keep track of balances, payments, and due dates. Payments are easy to manage, and I’ve found everything very transparent with no surprises. It’s been a useful tool for managing cash flow without adding unnecessary stress. Overall, a reliable and flexible credit option that I’d happily recommend for anyone looking for a bit more control over their spending. Reviewed on: 15th June 2026

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