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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181111 reviews)

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4.73

Based on 181,111 reviews, last reviewed 7th Aug 2026

48% increase in 5 star reviews

in the past 90 days

68% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Credit Options sometimes it isn't clear what is to be paid for when but I like that I have options on how to pay Reviewed on: 7th August 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 (181111)

Simple and easy to use.

Simple and easy to use. Communication regarding upcoming payment is recieved well in advance Reviewed on: 23rd April 2026

All good, I am happy with PayPal

All good, I am happy with PayPal Reviewed on: 23rd April 2026

Easy to use, but be careful

I have been using PayPal Credit for a while now and overall the experience has been mixed. On one hand, it is very convenient for spreading the cost of purchases and the application process was quick and straightforward. It can be useful in short-term situations when you need flexibility. However, there are some important downsides. The terms and conditions are not always clearly explained, especially regarding interest charges after promotional periods. If you are not very careful, it is easy to end up paying more than expected. Customer service can also be inconsistent — sometimes helpful, but other times slow or unclear in their responses. In my opinion, PayPal Credit can be a good tool if used responsibly and with full understanding of the terms. But it is not something I would recommend for everyone, especially if you are not confident managing repayments closely. Reviewed on: 23rd April 2026

Never had a problem that PayPal hasn't help fix an...

Never had a problem that PayPal hasn't help fix and luckily that's only been twice! PayPal is definitely the company to be with, so easy and very protected. Reviewed on: 23rd April 2026

Very good

Good over all there when you need it etc Reviewed on: 23rd April 2026

Great service

Never had any issues, so easy to use Reviewed on: 23rd April 2026

always a great experience with paypal

always a great experience with paypal Reviewed on: 23rd April 2026

Easily became our go-to for payments

Easily became our go to app for online and over the cpunter payments, with options for where it will draw your funds from, and credit options up to 4 months interest free. Reviewed on: 23rd April 2026

Great payment service

Great, easy and secure way to pay with the guarantee that if the person/company you are paying fails to deliver or delivers faulty goods, PayPal will get your money back. Reviewed on: 23rd April 2026

Always easy and feel protected.

Always easy and feel protected. It’s my go to payment method for absolute security Reviewed on: 23rd April 2026

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