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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181069 reviews)

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4.73

Based on 181,068 reviews, last reviewed 28th Jul 2026

136% increase in 5 star reviews

in the past 90 days

191% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

When ever there is an issue with PayPal. When ever there is an issue with PayPal. PayPal customer service always sort it for you fast and efficient. Reviewed on: 28th 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 (181069)

Great experience

it's been great.. Very helpful with make payment easy and convenient. Reviewed on: 25th April 2026

My Experience with PayPal Credit

I’ve been using PayPal Credit for a while now and overall my experience has been positive. One of the biggest advantages is the convenience. Since it’s integrated directly into PayPal, it’s very easy to use when shopping online, and the application process was quick. The option for interest-free payments on purchases over a certain amount (if paid within the promotional period) is also helpful for spreading costs. However, there are some downsides to consider. The interest rates outside promotional offers can be quite high, so it’s important to pay off balances on time. Customer service can also be inconsistent — while some issues are resolved quickly, others may take longer than expected. Another thing to be aware of is how it appears on your credit report and how missed payments can impact your credit score. Overall, PayPal Credit is a useful tool if managed carefully, especially for short-term financing. Reviewed on: 25th April 2026

Safe secure all sort issues out quick and correct

Safe secure all sort issues out quick and correct Reviewed on: 25th April 2026

Great sevice if there is a option to purchase using...

Great sevice if there is a option to purchase using PayPal i always do so knowing i will be safe if anything goes wrong paypal will solve any financial issues Reviewed on: 25th April 2026

Amazing service.

Amazing service..very helpful and easy to use..safe and reliable and protects your money you can shop with peace of mind Reviewed on: 25th April 2026

User Friendly

Prompt customer service and Excellent service provider. Easy to pay quick transaction. Safe secure. PayPal is my home money safe. Reviewed on: 25th April 2026

It's really quite good use for any purpose either no...

It's really quite good use for any purpose either normally or business. Reviewed on: 25th April 2026

The credit is easy to get and use and the repayment...

The credit is easy to get and use and the repayment dates for the 0% repayments is great to use Reviewed on: 25th April 2026

I’ve found it extremely useful with purchases I want...

I’ve found it extremely useful with purchases I want to pay for over a longer period. I’ve used it for a while and have always managed to settle my balances before the interest rate kicks in! the four month window is extremely helpful and has been a godsend. Paying is also straight forward and efficient. Reviewed on: 25th April 2026

Easy to understand great

Easy to understand and navigate, different buying choice and pay back choices Reviewed on: 25th April 2026

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