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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168143 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (168150)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

PayPal are excellent. My number 1 for shopping

PayPal are excellent. This is a chance to say thank you for all you do. I wouldn’t be able to get certain things I need, without PayPal., I’ve been with them for quite a few years.. I’ve NEVER had a problem… and if I’ve been scammed, or have been wrongly charged, all I have to do is let them know, and they have sorted it every single time… they’ve been there to help my retail experience much easier, and much better. I get notified for any incoming and outgoing parcels. I get delivery updates, and basically… I don’t know what I’d do without PayPal. Thank you to all the wonderful staff that have helped me over the years.. The best experience I’ve had, when shopping. Reviewed on: 7th July 2026

Very good experience

Very good experience I have been always informed and updated about my accounts Reviewed on: 7th July 2026

Always trust PayPal any problems is dealt with promp...

Always trust PayPal any problems is dealt with promptly. Reviewed on: 7th July 2026

It’s okay and basic for my use.

It’s okay and basic for my use. I have been using this for almost a decade now . Reviewed on: 7th July 2026

Easy to use

Easy to use and a first class establishment Reviewed on: 7th July 2026

usable as normal credit card

paypal now can be used in shops with card in wallet..its excellent Reviewed on: 7th July 2026

I have been able to buy with confidence!

I have been able to buy with confidence knowing that when I have an issue they are in my corner. Reviewed on: 7th July 2026

PayPal Credit - A Brief Review

Several times I have used PayPal credit to pay for a more expensive item, and the experience has been smooth. Many times, they have offered 0% interest for 4 months, or on the pay in 3 options, which gives you flexibility when making your financial decisions. They also increased my credit limit fairly quickly. It is worth noting that there is a monthly payment if you do take out credit. Overall, it is a good service, in some ways superior to others like Klarna, for example. Reviewed on: 7th July 2026

Everything so far runs smoothly !

Everything so far runs smoothly ! Great transactions and great customer service! Reviewed on: 7th July 2026

Excellent service and easy to use

I’ve had a really positive experience using PayPal Credit. The application process was straightforward, and managing my account has been simple. It’s been a convenient way to spread the cost of larger purchases, with clear payment options and an easy-to-use app. Payments are processed quickly, and I’ve found it to be a reliable and flexible credit option. Overall, I’d definitely recommend PayPal Credit to anyone looking for a convenient way to manage purchases responsibly. Reviewed on: 7th July 2026

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