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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (84805 reviews)

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4.90

Based on 84,805 reviews, last reviewed 25th Apr 2026

3137300% increase in 5 star reviews

in the past 90 days

4500% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Pay pal is so good and I love the pay pal credit fea... Pay pal is so good and I love the pay pal credit feature it helped me so much when I needed extra money one month Reviewed on: 25th April 2026

Latest lowest rating:

2

Statements and interest and formats for transactions... Statements and interest and formats for transactions are confusing and unclear Reviewed on: 24th April 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 (84805)

Easy to use and convenient!

Easy to use and convenient. I always use paypal when its available to use as it gives security for every payment I do. Reviewed on: 2nd June 2024

Great experience easy and efficient would be nice to...

Great experience easy and efficient would be nice to get a credit increase though as I am beginning to use it more and more for online purchases Reviewed on: 2nd June 2024

Controllable credit

While credit use is not for everyone planned budgeting can help spread the cost. The PayPal credit app is easy to understand and you can choose to pay the minimum, the full amount or another amount really easily. I would recommend anyone needing to increase their credit score to use PayPal credit as a first step in the right direction. Reviewed on: 2nd June 2024

Use my credit limit on PayPal, alongside making tran...

Use my credit limit on PayPal, alongside making transactions via PayPal never have an issue. Reviewed on: 2nd June 2024

Not a fan

The interest free options are good over a long period but the pay over 4 months option is not because it requires a minimum payment but the payment doesn’t come off the balance so it’s pointless. I also don’t like how all your purchases are lumped together in one big balance even though they’re at different rates and promotions. Reviewed on: 2nd June 2024

Overall positive experiences and credit levels

Overall positive experiences and credit levels Reviewed on: 2nd June 2024

Great service and excellent customer service

Great service and excellent customer service Reviewed on: 2nd June 2024

The safest place to purchase.

PayPal is a wonderful app. It allows me to make safe purchases over the Internet where I can save myself from quite a lot of scammers cause they are afraid of paying on PayPal. Reviewed on: 2nd June 2024

I'm very happy with that service.

I'm very happy with that service. Reviewed on: 2nd June 2024

So quick and easy

PayPal is always my preferred way to pay, it’s easy and convenient and I don’t have to remember any of my details. The different options to pay are great and the choice of which bank or credit/pay in 3 is perfect for my lifestyle! Reviewed on: 2nd June 2024

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