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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181110 reviews)

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4.73

Based on 181,107 reviews, last reviewed 6th Aug 2026

53% increase in 5 star reviews

in the past 90 days

70% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Reliable support when I need it. Everything is always set out in a way I can understand. It’s a quick and easy process. Being older, it gives me confidence in using it. Reviewed on: 6th 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 (181110)

Always reliable never a problem with any of my items...

Always reliable never a problem with any of my items when purchasing. Very easy to use site. Love the pay in 3 optionNo interest is a bonus. Reviewed on: 2nd June 2026

I love using PayPal, I use the credit card and 3 pay...

I love using PayPal, I use the credit card and 3 payment service which I think is great when you don’t earn as much. Reviewed on: 2nd June 2026

Customer friendly.App

The App is customer friendly. They are always ready to help. Reviewed on: 2nd June 2026

APR too much

Would be better if the APR was less than the main credit lenders. Reviewed on: 2nd June 2026

I always use paypal.

I always use paypal. I trust it. Reviewed on: 2nd June 2026

Good service

Very good for spreading the cost Reviewed on: 2nd June 2026

Pay pal absolutely brilliant Excellent customer serv...

Pay pal absolutely brilliant Excellent customer service Excellent service would recommend this service Reviewed on: 2nd June 2026

If the interest rates where lower I would give it 10...

If the interest rates where lower I would give it 10 out of 10 Reviewed on: 2nd June 2026

A very good and cooperative.

A very good and cooperative. The staff are extremely helpful and friendly. and the best option which is buy now and pay later Reviewed on: 2nd June 2026

The overlapping promo trap

The overlapping promo trap impossible to clear old debts first! The payment allocation logic on PayPal Credit feels intentionally designed to force users into paying high interest rates. If you use their "0% interest for 4 months" feature on multiple purchases, the system combines everything into a single, confusing pool. Reviewed on: 2nd June 2026

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