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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181112 reviews)

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4.73

Based on 181,112 reviews, last reviewed 8th Aug 2026

45% increase in 5 star reviews

in the past 90 days

61% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Worthy, reliable Very easy and quick process, no issue in getting it, straightforward terms and condition Reviewed on: 8th 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 (181112)

Simaple easy to use.

Simaple easy to use. But I have yet to use the customer service Reviewed on: 23rd April 2026

All good really.

All good really. Been using PayPal for years. It's fine. Not exciting, not terrible but jus kind of the default option that nobody really choose, it just ended up on everyobody's phone. Sending money to people is easy enough. Checkout on most sites takes about three clicks. The app doesn't crash. These are low bars but PayPal clears them consistently, so credit where it's due. Reviewed on: 23rd April 2026

I've had a very smooth so far, One thing I don't lik...

I've had a very smooth so far, One thing I don't like, every time I try and repay my debt for credit card, the payment takes a lot of time to transfer from my bank to my PayPal account. If it could be fixed that'd be great Reviewed on: 23rd April 2026

Simple and quick

It's just so simple and quick. Easy to navigate. No fuss. Uncomplicated Reviewed on: 23rd April 2026

Good lenders helped me out a great deal as a young a...

Good lenders helped me out a great deal as a young adult Reviewed on: 23rd April 2026

Easy to use, extremely clear.

Easy to use, extremely clear. Fair terms. Reviewed on: 23rd April 2026

Thank you for your understanding x

Always straightforward transactions, protect your money and give you the opportunity to sort out negative balances. This year has been particularly hard financially and having just had a double mastectomy for lobular breast cancer my mind has not been on my finances leading to payments being declined. I just want to say thank you for you patience and support during this difficult time. X Reviewed on: 23rd April 2026

PayPal credit is fine, payments are manageable

PayPal credit is fine, payments are manageable Reviewed on: 23rd April 2026

Easy to use

Easy to use and fantastic for quick checkouts Reviewed on: 23rd April 2026

PayPal is your Pal

PayPal offer credits terms unmatched by others - 4 months interest free is a godsend! The app makes it super easy to check on balances and payments, plus they always send handy reminders on good time when payments are due. It's also easy to add as a payment card to Google Wallet! 10 on 10! Reviewed on: 23rd April 2026

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