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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181052 reviews)

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4.73

Based on 181,048 reviews, last reviewed 26th Jul 2026

157% increase in 5 star reviews

in the past 90 days

208% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use app Easy to use but lots of encouragement to increase credit limit which could encourage people into debt Reviewed on: 26th July 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 (181052)

PayPal just make it easy and they offer great intere...

PayPal just make it easy and they offer great interest free options for short-term. Reviewed on: 28th May 2026

Customer friendly, I like the 4 months spread with...

Customer friendly, I like the 4 months spread with no interest offer. Reviewed on: 28th May 2026

Wonderful product, easy to use, excellent availability.

Wonderful product, easy to use, excellent availability. Reviewed on: 28th May 2026

I have found the service very user friendly.

I have found the service very user friendly. A good tip would be to review the payment section, at times you end up double paying because you’re not given a notification that your payment has been processed. Only after the payment has been cleared from your account you realise you have paid twice. Reviewed on: 28th May 2026

So easy to use and great clarity

So easy to use and great clarity Reviewed on: 28th May 2026

I’m really happy with service and the product

I’m really happy with service and the product Reviewed on: 28th May 2026

Reliable service

I have been using PayPal for more than 6 years and it has been super useful, efficient, great customer service, and very reliable. Reviewed on: 28th May 2026

Never had to use Customer Services, so I’ve gone neu...

Never had to use Customer Services, so I’ve gone neutral on this. Reviewed on: 28th May 2026

Exceptional Service

Never had any issues whilst using Payoal until recently I made a purchase from what I thought was a legitimate site. One simple phone call sorted everything! I was assured that my account would be protected from further funds being taken by this merchant, which is what I was most concerned about, and that when the payment was claimed all I needed to do was login and dispute it and the funds would be back in my account. When the funds were claimed, I did as I was advised and the funds were indeed back in my account the same day and PayPal dealt with the merchant. The gentleman I spoke to was polite, understood I was concerned and did everything he could to reassure me. Reviewed on: 28th May 2026

Eady to purchase larger items that I couldn't normal...

Eady to purchase larger items that I couldn't normally afford in 1 of payments Reviewed on: 28th May 2026

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