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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181105 reviews)

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4.73

Based on 181,105 reviews, last reviewed 5th Aug 2026

57% increase in 5 star reviews

in the past 90 days

78% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal's effective credit system offers a real oppor... PayPal's effective credit system offers a real opportunity to increase your purchasing power. Getting on their system is easy enough and they have fun... Read more Reviewed on: 5th 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 (181105)

It was brilliant when I was unsure how it worked one...

It was brilliant when I was unsure how it worked one of the support members walked me through the process and it was very helpful Reviewed on: 2nd June 2026

Useful Flexibility, But Be Aware of the Interest

PayPal Credit has been helpful for managing larger purchases when I haven't been able to pay the full amount upfront. The account is easy to manage online, and I like being able to track payments and balances in one place. At the moment, I'm only able to make the minimum payment each month, which means I'm paying more interest and it will take me much longer to clear the balance. That's something anyone considering credit should be aware of. Even so, I appreciate having the flexibility available when I've needed it, and I've found the service straightforward to use overall Reviewed on: 2nd June 2026

Easy , clear systems,with several choices for payment.

Easy , clear systems,with several choices for payment. Reviewed on: 2nd June 2026

Reliable financial service

Reliable to use, feels safe to use online, I did have an experience previously when my eBay account was hacked and the customer service I received was brilliant and resolved the issue immediately. I would recommend for ease of use and the app is incredible user friendly. Reviewed on: 2nd June 2026

PayPal Credit has been useful for spreading the cost...

PayPal Credit has been useful for spreading the cost of purchases and giving a bit more flexibility at checkout. The application process was straightforward, and I like being able to manage payments online. The main thing to watch is making sure repayments are kept up to date, as credit products need to be used carefully. Overall, it has been a convenient option for purchases when I wanted a little extra time to pay. Reviewed on: 2nd June 2026

Helpful in a sense that I have more flexibility mana...

Helpful in a sense that I have more flexibility managing my money Reviewed on: 2nd June 2026

Seamless and so simple and quick.

Seamless and so simple and quick. Reviewed on: 2nd June 2026

I have bought goods and I didn't want it and I got m...

I have bought goods and I didn't want it and I got my money back without any problems. Reviewed on: 2nd June 2026

5 star company

Very easy to use, I love PayPal friends and family and Pay in 3 are fantastic Services Reviewed on: 2nd June 2026

I have always had a First Class Service from PayPay.

I have always had a First Class Service from PayPay. They are extremely efficient when transferring money between accounts and much faster than any bank I’ve used! Reviewed on: 2nd June 2026

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