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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174266 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174268)

By using PayPal services, I feel safe making purchases.

By using PayPal services, I feel safe making purchases. If the sites don't have PayPal, as a payment option, I don't shop on them sites. Reviewed on: 14th May 2026

Really handy credit when you need, great customer se...

Really handy credit when you need, great customer service too Reviewed on: 14th May 2026

Excellent services , very happy with it

Excellent services , very happy with it Reviewed on: 14th May 2026

The 4 month interest free is a good aspect of card

The 4 month interest free is a good aspect of the card , especially when buying items that I don't get paid for myself straight away Reviewed on: 14th May 2026

Best money transfer app, with no issues

Best money transfer app, with no issues Reviewed on: 14th May 2026

Reliable and Convenient Credit Service

PayPal Credit has consistently provided me with a smooth, reliable and flexible way to manage my purchases. I appreciate how transparent the service is, with clear statements, easy‑to‑understand terms and helpful reminders. The 0% interest offers have been especially useful for budgeting larger purchases without stress. Customer support has always been responsive whenever I’ve needed help, and the overall experience feels safe, secure and convenient. Reviewed on: 14th May 2026

PayPal Changed Everything

PayPal has been one of the most reliable apps I’ve used for sending and receiving money. As a first-time mum preparing for my baby’s arrival, it’s made buying everything we need so much easier and less stressful. The platform is fast, secure, and super easy to use, which gives me peace of mind when shopping online. I love how quick transactions are and how protected I feel with every purchase. Definitely one of the best financial services out there! Reviewed on: 14th May 2026

I always use PayPal as it is a safe way to pay.

I always use PayPal as it is a safe way to pay. It is good to know you are always protected when spending money especially online. Reviewed on: 14th May 2026

Always had a good experience with PayPal Credit, ver...

Always had a good experience with PayPal Credit, very easy to use, interest rates are very high though which makes it harder to pay off and also payments take a long time to clear Reviewed on: 14th May 2026

PayPal pay later options make it easy to spread your...

PayPal pay later options make it easy to spread your payments. PayPal also has a very easy system to work with. Reviewed on: 14th May 2026

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