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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)

PayPal is safe reliable and you can use most places

PayPal is safe reliable and you can use most places Reviewed on: 22nd April 2026

Super cheap!

Super cheap! And great deal! Better than others lenders Reviewed on: 22nd April 2026

Use it a lot , very good service

Use it a lot , very good service . Personally I’ve had no issues yet . Reviewed on: 22nd April 2026

Easy to use and helpful credit option

I’ve had a good experience using PayPal Credit so far. The process is simple and easy to understand, and it’s been really useful for spreading the cost of purchases. Everything is clearly shown, and it’s convenient having it all linked directly to PayPal. Payments are straightforward to manage, and it’s helpful having the flexibility when needed. Overall, a reliable and easy-to-use service that I’d recommend. Reviewed on: 22nd April 2026

Simple and easy to use , good customer service , rel...

Simple and easy to use , good customer service , reliable , automatic credit check so if you’re doing well with paying back on time and affordability is good it automatically increases your borrowing Reviewed on: 22nd April 2026

it’s been goood

It’s been good, and customer service have been extremely helpful. Reviewed on: 22nd April 2026

Very good service smooth and clear thank you so much

Very good service smooth and clear thank you so much Reviewed on: 22nd April 2026

Good service on the whole, but charges are expensive

APR could be much lower for my credit rating. Some discrepancies existed for wrongly charged items in the past, and the response was a bit slow. The presence of the credit card however is very good. I requested something like this over a year ago because I knew it existed in the US. Better late than never. Reviewed on: 22nd April 2026

Easy, safe and value for money

It’s easy to use and offers a variety of services. Reviewed on: 22nd April 2026

The Best Company I have ever used. 15 plus years

The customer service has always been so helpful. I have been using paypal for a very long time and I don't really shop somewhere I cannot use paypal Reviewed on: 22nd April 2026

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