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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180997 reviews)

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4.73

Based on 180,993 reviews, last reviewed 21st Jul 2026

213% increase in 5 star reviews

in the past 90 days

268% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Extremely satisfied! I find the pay in 4 really useful and when needed the staff has been extremely helpful Reviewed on: 21st July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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.

PayPal PayPal Credit reviews (180998)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Always feel protected with financial transactions.

Always feel protected with financial transactions. Safe to receive and transfer money too. Really like the 'Pay in 3' option to help budget over 3 months. Any issues have been swiftly dealt with in a professional manner. Reviewed on: 7th July 2026

Supporting your finances

It’s just fair and convenient and they are helpful when needed Reviewed on: 7th July 2026

Fast to use.easy and fast

Fast to use. If you dont have enough in your account they take if fron your bank or card so its superfast Reviewed on: 7th July 2026

Very safe, very secure and any issues quickly dealt...

Very safe, very secure and any issues quickly dealt with.....great response times on any queries etc Reviewed on: 7th July 2026

Paypal only for all my purchases

Paypal credit is my go to payment method for purchases online indeed if a seller doesn’t accept paypal I will not purchase from them Reviewed on: 7th July 2026

Paypal credit

Paypal credit is a great way to buy stuff when you dont have all the money and you can pay it off without interest i love it Reviewed on: 7th July 2026

Used for many years excellent customer service

I have had PayPal for many years and never had any problems. Their customer service is always fair to buyer and seller. The reason I stay is that I can actually speak to a human being Reviewed on: 7th July 2026

It's simple to use with great rewards.

It's simple to use with great rewards. I love using pay in 3. Reviewed on: 7th July 2026

The Absolute Safest Way to Shop Online

I have used PayPal for over a decade, and at this point, it is practically a permanent fixture of my online life. For an everyday consumer who just wants to buy things securely and occasionally split a dinner bill with friends, it is hard to beat. However, while it excels as a digital wallet, its customer service leaves a lot to be desired. The best part about PayPal is the sheer convenience and peace of mind it offers when shopping on unfamiliar websites. Instead of typing my credit card number into a dozen different online storefronts—and risking a data breach—I can just hit the yellow PayPal button, use FaceID, and I'm done. My financial details stay hidden from the seller. Furthermore, features like "Pay in 4" have made breaking up larger retail purchases incredibly seamless without having to open a new credit card line. For sending money casually, the app is great. Splitting grocery bills or sending birthday money to family via the "Friends and Family" option is completely free, instant, and foolproof. Where the platform stumbles is when something actually goes wrong. If you buy a physical item via "Goods and Services" and it shows up broken or doesn't arrive at all, PayPal’s Buyer Protection does kick in to help you get a refund. However, navigating their resolution center is an incredibly cold, frustrating experience. Everything is heavily automated, and trying to get a real human being on line to look at your evidence feels nearly impossible. A quick tip for credit card users: While PayPal protects you under their own corporate policies, paying through a PayPal wallet often breaks the direct legal link required for traditional credit card chargeback laws. If you are buying an incredibly expensive holiday or high-ticket item, it is safer to log out and type your card details directly into the merchant's site for full legal protection. For everyday shopping and casual money transfers, it is a brilliant app. Just pray you never have to deal with their automated Reviewed on: 7th July 2026

A very positive experience I have had so far.

A very positive experience I have had so far. Quick and easy to use. My only negative would be I find it hard to see my spending out and my credit into my account side by side for an accurate timeline. That being said, it’s still a very good service and I will continue to use PayPal going forward. Reviewed on: 7th July 2026

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