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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181131 reviews)

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4.73

Based on 181,131 reviews, last reviewed 21st Aug 2026

8% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Nothing hidden, simple to use. Nothing hidden, simple to use. Convenient for making those larger purchases, especially when they are unexpected Reviewed on: 21st 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 (181131)

PayPal is amazing always easy to access and very flu...

PayPal is amazing always easy to access and very fluent with transactions Reviewed on: 21st April 2026

Easy and secure

PayPal Pay in 3 just helps spread those bigger payments and make things like holidays more affordable Reviewed on: 21st April 2026

Easy and convenient to use.

Easy and convenient to use. Simple to apply to purchases using the app Reviewed on: 21st April 2026

Convenient but needs improvement on customer support

I’ve been using PayPal Credit for a while now, and overall it’s a convenient option for managing online purchases. The ability to spread payments and the integration with PayPal makes checkout quick and straightforward, which I really appreciate. However, my experience hasn’t been perfect. Customer service can be slow and sometimes unhelpful when dealing with disputes or account issues. It can take time to get clear resolutions, which can be frustrating when money is involved. That said, for everyday transactions and flexibility, it’s still a useful financial tool. If they improve their support and communication, it would easily be a top-tier service. Reviewed on: 21st April 2026

Excellent , user friendly app, easy to use,

Excellent , user friendly app, easy to use, Reviewed on: 21st April 2026

Easy to use, very usefull

Easy to use, very usefull in everyday life. Makes my payments quicker Reviewed on: 21st April 2026

My experience around is mostly security related when...

My experience around is mostly security related when I have an issue it is solved very rapidly and if I have concerns they are quick to help resolve Reviewed on: 21st April 2026

I have used PayPal for years and have always found t...

I have used PayPal for years and have always found them very easy to deal with and very good at resolving issues. Reviewed on: 21st April 2026

Best credit provider available

I can use PayPal for almost all my transactions which makes it great for me and readily accessible Reviewed on: 21st April 2026

Helpful to spend money no interest

Payapal is very helpful when you have to spend more money when u didn’t expect it. Interest-free installments if you pay on time.You can buy a plane ticket, car parts or a beautiful handbag of your choice. To find out what you bought and what your financial situation is, you always have a statement available for review. I've never had any problems with additional interest. Customer service is always helpful if you have any questions. I'm very glad I got a physical card to pay in stores when my phone ran out of battery. Reviewed on: 21st April 2026

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