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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178153 reviews)

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4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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.

PayPal PayPal Credit reviews (178153)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Still the best option out there....

Paypals more recent commerce integrations (last few years) has made the process of utilising and paying for goods an absolute breeze, I believe they have got the user experience nailed in comparison to Visa & Mastercard (or other payment methods, which was essential, especially given new services like Affirm, Afterpay, and Klarna and hot of their tails. If you were a PayPal user before, there is no reason not to continue to be one, even more so with their card option. Reviewed on: 8th July 2026

Great service

I’ve had PayPal for quite some time now. I use the app often and I’ve never had any issues. The customer service (not used much!) has always been spot on. Thank you! Reviewed on: 8th July 2026

Love PayPal use it for a lot of online purchases...

Love PayPal use it for a lot of online purchases Reviewed on: 8th July 2026

PayPal has always been there for me and I am glad I...

PayPal has always been there for me and I am glad I have a chance to say thank you. Simple yet effective service with clear rules of use and user friendly software. Reviewed on: 8th July 2026

So easy and flexible

So easy just confusion sometimes when paying for different amounts with different expiry but still very handy and helped m Reviewed on: 8th July 2026

Simple to use

I've been using PayPal Credit for a while now, and it's been a really positive experience. The 0% interest for 4 months on eligible purchases has been really helpful, and I find it easy to manage my payments. The only improvement I'd like to see is the option for payments to be taken automatically, similar to the Pay in 3 feature, as that would make it even more convenient. It's made shopping online much more convenient. Reviewed on: 8th July 2026

Great and easy way to make, send & receive payments.

Great and easy way to make, send & receive payments. Reviewed on: 8th July 2026

Have had problems trying to pay money off of my bala...

Have had problems trying to pay money off of my balance. Keep getting a message saying unsuccessful Reviewed on: 8th July 2026

Always have very good experience with PayPal at all...

Always have very good experience with PayPal at all times Reviewed on: 8th July 2026

I love knowing that I can purchase something without...

I love knowing that I can purchase something without having to pay the full price if my bank account is short at that particular time. Also there’s a chance to win points if you do use your card. Reviewed on: 8th July 2026

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