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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181115 reviews)

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4.73

Based on 181,113 reviews, last reviewed 10th Aug 2026

38% increase in 5 star reviews

in the past 90 days

54% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit is convenient, easy to use and accepte... PayPal credit is convenient, easy to use and accepted on most websites. The application process is quick and simple and credit limits are responsible. Reviewed on: 10th 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 (181115)

Making life easier

Great choice of products and always expanding to suit customer needs Reviewed on: 4th June 2026

Being able to pay in 3 is extremely helpful when you...

Being able to pay in 3 is extremely helpful when you don’t have the funds to hand. Reviewed on: 4th June 2026

My only complaint is I wish pay of my credit by Visa...

My only complaint is I wish pay of my credit by Visa card I wish the payment was instantly noticed and updated and not have to wait a few days to show on the account. Reviewed on: 4th June 2026

PayPal’s efficiency

PayPal is very efficient when it comes to customer protection and support. They have several times helped to recover my refund from retailers. They are always available to make me understand my billing if there’s anything I do not understand. Reviewed on: 4th June 2026

I’m happy that it protects my payments

I’m happy that it protects my payments, and I really love the Pay in 3 option as things can sometimes take a big chunk of money at once. It has helped me replace things that I couldn’t afford to buy outright. The credit card is okay too, although it’s very easy to keep using it and then suddenly realise the balance has become quite high. Because of that, I’m paying it off monthly and hoping to avoid any interest charges, as I’d prefer to keep the balance at zero and only use it if I ever need it for an emergency. Overall though, I’m very happy with PayPal. Reviewed on: 4th June 2026

Easy Quick Safe

Easy Quick Safe; clear instructions of payments, easily understandable interest and repayments; app very easy to use; reminder always sent before due payments; Reviewed on: 4th June 2026

Good start, but tell us a little more.

Good start, but tell us a little more. Reviewed on: 4th June 2026

Paypal is exceptional.

Paypal is exceptional. Takes all the hassle out of making payments for purchases, money transfers and offers interest free pay in installments service too. I don't use any other form of banking since I got the PayPal app. Reviewed on: 4th June 2026

The interest free 4 months split and the pay in 3 se...

The interest free 4 months split and the pay in 3 service has been such budget fruendly option for big purchases and the custimer servixe have always been helpful Reviewed on: 4th June 2026

Use anywhere PayPal or Mastercard is accepted.

Very convenient, can apply online wherever PayPal is accepted, can also use the physical card at locations not otherwise set up for PayPal. All transactions appear together in the app for easy management. Reviewed on: 4th June 2026

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