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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181120 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th 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 (181120)

Excellent services!

Using PayPal has helped me not to use my debit card for shopping with different customers because I just use PayPal to pay for all my shopping and services like Uber. And PayPal gave me some credit that I can use to pay for my shopping and pay back at a given time without any charges or interest, so I am very grateful and pleased for the services that PayPal renders to their customers. Reviewed on: 22nd April 2026

It effectively bridges the gap between a traditional...

It effectively bridges the gap between a traditional credit card and a flexible payment plan, allowing you to manage your budget without the friction of physical cards or complex applications. As long as you stay disciplined and clear your balance before the promotional window expires to avoid deferred interest, it is an incredibly efficient tool for making both big-ticket items and everyday purchases more manageable. Reviewed on: 22nd April 2026

Simple to use and instant responses

Simple to use and instant responses Reviewed on: 22nd April 2026

Wonderful experience

I’ve always had a really positive experience with PayPal. Whenever I’ve had a problem, it’s been sorted quickly and without stress. Their support is reliable, professional, and gives real peace of mind every time I use it. Reviewed on: 22nd April 2026

PayPal credit is an amazing way to build one’s credi...

PayPal credit is an amazing way to build one’s credit history it’s very easy to apply and the payment options are excellent very helpful and easy to manage Reviewed on: 22nd April 2026

Quick application process, quick response, digital c...

Quick application process, quick response, digital card available same day, physical available if required and delivered within days Reviewed on: 22nd April 2026

Paypal is very easy to use and convienient.

Paypal is very easy to use and convienient. Paypal Credit credit has been extremely useful to purchase things and spread the payments Reviewed on: 22nd April 2026

Secure and confident

I use Paypal as I find it most secure and can raise disputes if ever there are issue. The different payment methods definitely help when needed. Reviewed on: 22nd April 2026

Safest way to look after money - always feel secure...

Safest way to look after money - always feel secure making payments and my credit limit is automatically updated Reviewed on: 22nd April 2026

Reliable Credit with Excellent Support

PayPal Credit has been incredibly easy and reassuring to use. The platform feels secure and straightforward, giving me real confidence when making purchases. Being able to spread payments over time is a huge benefit and makes managing finances much more comfortable without added stress. What really stands out is the helpfulness of the team when I’ve had queries—they’re clear, responsive, and genuinely supportive. On top of that, they’ve shown real understanding and sympathy when circumstances needed explaining, which makes a big difference. Overall, a reliable and customer-focused service that I trust and would happily recommend. Reviewed on: 22nd April 2026

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