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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176767 reviews)

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4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th 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 (176792)

Love it!

Great, very accessible, never failed me when I want to get something and spread the cost Reviewed on: 6th July 2026

I’m a customer for life

’ve used PayPal for years without any issues, but recently I had an experience that truly blew me away. I ordered a custom piece of art from an independent seller overseas. After weeks of silence, the seller stopped responding, and I assumed my $300 was gone. I filed a dispute through PayPal’s Resolution Center, not expecting much. Within hours, I received a message from a real person — not a bot — asking for a few details. I uploaded my conversation screenshots and explained the situation. The very next day, PayPal reviewed the case and found in my favour. My full payment was refunded immediately, no endless back-and-forth, no hassle. What really stood out was the human touch. The customer service agent even followed up with an email to make sure the funds had landed safely and offered tips for safer international purchases in the future. It felt like they genuinely cared, not just about closing a case, but about me as a customer. Because of this, I now use PayPal for every online transaction I can. Their Purchase Protection isn’t just marketing fluff — it works, and it works fast. I can’t recommend them enough. Reviewed on: 6th July 2026

Amazing service, customer service have always been o...

Amazing service, customer service have always been on the ball and helped when needed. Easy transactions and payment system. Reviewed on: 6th July 2026

Excellent

Excellent experience overall as expected Reviewed on: 6th July 2026

PayPal credit is a perfect way to use when in case o...

PayPal credit is a perfect way to use when in case of a sudden expense. Reviewed on: 6th July 2026

Excellent service experience

The app was easy to set up, has intuitive interface. The credit service was quick, painless - every transaction is visible. This is really useful to keep track of everything- it's transparent. Reviewed on: 6th July 2026

Very efficient and easy to use.

Very efficient and easy to use. Speaking to the staff when I have a issue they are very friendly and the check out procedure is easy Reviewed on: 6th July 2026

Great all round

PayPal credit is so easy and transparent that I feel confident in using it to make a purchase, set up a direct debit for extra peace of mind and it’s just a win! Rates are comparable and it just fits with my needs perfectly Reviewed on: 6th July 2026

PayPal to pay your pals and everyone else

Trusted brand, easy to use and accepted in so many places Reviewed on: 6th July 2026

One word: straightforward.

One word: straightforward. Easy to use, intuitive and practical Reviewed on: 6th July 2026

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