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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (74805 reviews)

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4.90

Based on 74,805 reviews, last reviewed 18th Apr 2026

2212700% increase in 5 star reviews

in the past 90 days

6200% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

4

Dangerous... in a good way Paypal credit is almost too easy to use-that's the best and worst part. It's quick, smooth, and makes spreading costs feel effortless, which I genuine... Read more Reviewed on: 18th April 2026

Latest lowest rating:

1

Late payment processing or bill payment Late payment processing or bill payment Reviewed on: 17th 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 (74805)

My Beginning

I had no credit cards and I wasn't able to get one as my credit was low but PayPal gave me an opportunity to make my credit and I'm using it and since last year I have built my credit and hopefully soon I'll be able to have even more credit limits. They gave me the opportunity and that's a lot for me. Thank you PayPal Reviewed on: 8th July 2022

Peace of mind

When you see PayPal logo on shopping websites you have peace of mind that your purchase will be all protected. Reviewed on: 8th July 2022

Easy and quick to use

PayPal credit is very easy and purchases are quick, you get monthly reminders and email updates. Interest isn’t too bad either Reviewed on: 8th July 2022

Efficient and easy

Available for most online transactions Reviewed on: 8th July 2022

Best credit agency so far

The fact that gives you a flexibility of 3 months free interest on every purchase it’s just a relief for your spending. Reviewed on: 8th July 2022

Excellent

Very good service providers always there to stand with humanity I m happy to have PayPal account with big organisation glad Reviewed on: 8th July 2022

PayPal Credit is amazing

I have had an amazing experiance with PayPal Credit, it has come in very handle to be able to get the things I need why im waiting for my wages to be paid, it easy to use and perfect for anyone who need that little help. Reviewed on: 8th July 2022

Very easy

So good and helpful product! I recommend! Reviewed on: 8th July 2022

Love the way they giving us credit

It’s very convenient that I can enjoy 3 months interest free credit for my every big purchase. No other credit card is giving us this facilities. Reviewed on: 8th July 2022

Very good service

I've no complaints, the only thing I think they could improve is when there's a situation where an item is pre order, you can then end up paying interest for an item not yet recieved or losing out on the order due to that issue while doing account management and disposable income... A deposit in such situations would be more suitable ie preorder situation. Other than that I think pay pal credit is the best. I feel safe using the service and know they have my back Reviewed on: 8th July 2022

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