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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (169990 reviews)

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4.73

Based on 169,432 reviews, last reviewed 8th Jul 2026

1457% increase in 5 star reviews

in the past 90 days

1495% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great process very transparent, great customer service Great process very transparent, great customer service Reviewed on: 8th July 2026

Latest lowest rating:

1

I don't trust PayPal anymore they closed a dispute w... I don't trust PayPal anymore they closed a dispute with out professionalism and didn't want to know about my evidence which I have been scammed Reviewed on: 8th 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 (170028)

Immediate payments,variety of payment plans,never fe...

Immediate payments,variety of payment plans,never feel pressurised for payment. Reviewed on: 8th July 2026

Absolutely amazing

Absolutely amazing, great and easy interface, use it everyday Reviewed on: 8th July 2026

More than just a Credit; Creates precious memory

Applying for PayPal Credit was one of the best financial decisions I made during a very difficult time in my life. My husband was diagnosed with an extremely rare cancer, and despite everything he was going through, he had always dreamed of owning a new mobile phone. I wanted to give him something that would bring him joy and help him stay connected with family, friends, and his medical team. The application process was quick, simple, and easy to understand. I was pleasantly surprised by how straightforward it was to apply, and I received a decision without unnecessary stress. Thanks to PayPal Credit, I was able to purchase the phone when my husband needed it most, without having to pay the full amount upfront. Having that financial flexibility made a huge difference for us during an emotionally and financially challenging period. I’m truly grateful that PayPal Credit helped me make one of my husband’s dreams come true at a time when it meant the most. Reviewed on: 8th July 2026

Widely accepted, straightforward process using PayPa...

Widely accepted, straightforward process using PayPal Credit, generous Credit Limit Reviewed on: 8th July 2026

On the whole paypal is hard to fault.

On the whole paypal is hard to fault. .However paypal would be wise to remember that sometimes it's important to speak with a human and the easier that is the more popular paypal will remain.. Ai is all well and good but when its important ar an anxious situation the last thing one needs are automated systems which go around in endless loops. Reviewed on: 8th July 2026

Always good with great security,

Always good with great security, and no more worrying about card numbers so a much quicker way to pay. Reviewed on: 8th July 2026

Quick way to pay with credit online

Quick way to pay with credit online Reviewed on: 8th July 2026

Very handy to spread the cost feels like it can be p...

Very handy to spread the cost feels like it can be paid back with ease Reviewed on: 8th July 2026

PayPal : Reliable and Secure, but Mind the Fees.

PayPal remains one of the best and safest ways to pay online, though it comes with a few trade-offs. The Pros: Excellent Security: You never have to share your card details with websites. Buyer Protection: If an order goes wrong or doesn't arrive, PayPal helps you get your money back. Convenience: Checkout is incredibly fast, and sending money to friends is instant and free. The Cons: High Fees: If you use it to receive business payments or sell items, the transaction fees are steep. Poor Exchange Rates: Currency conversion rates are noticeably lower than the market average, making international shopping more expensive. Verdict: While it isn't the cheapest option for currency exchange or sellers, the peace of mind and security it provides for everyday online shopping make it completely worth it. Highly recommended. Reviewed on: 8th July 2026

Accessible and Handy

So far, it's been an accessible and handy service. It's a great alternative to other credit cards, and the rates are reasonable. The notifications are speedy, and the statement is easy to access. I also enjoy the option of having a physical card. Reviewed on: 8th July 2026

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