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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174223 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174229)

The best of the best

I have PayPal in my life for so many years and Im so happy with their service Reviewed on: 9th July 2026

My experience with PayPal has been very positive.

My experience with PayPal has been very positive. It is one of the easiest and most reliable online payment platforms I have used. Setting up my account was simple, and linking it to my bank account and debit card took only a few minutes. One of the best features of PayPal is its security. I can make online payments without sharing my bank or card details directly with sellers, which makes me feel safe while shopping. The payment process is fast, and I receive instant confirmation whenever I send or receive money. I have also used PayPal to purchase products from international websites. Currency conversion is automatic, making transactions convenient. In addition, the buyer protection policy gives me confidence because it helps resolve issues if an item is not delivered or is significantly different from its description. Another positive experience was receiving a refund. After I canceled an online order, the seller processed the refund through PayPal, and the money was credited back to my account without any complications. The entire process was smooth and transparent. The PayPal mobile app is easy to use and allows me to check my balance, review transaction history, and manage payments anytime. Customer support and the help center also provide useful guidance whenever I have questions. Overall, my experience with PayPal has been excellent. It is fast, secure, user-friendly, and trusted by millions of people worldwide. I would recommend PayPal to anyone looking for a safe and convenient way to make online payments and transfer money. Reviewed on: 9th July 2026

Easing the cost

I find being able to spread the cost over 3 months such a blessing Reviewed on: 9th July 2026

I use PayPal for most things.

I use PayPal for most things. The more you use it the better it is Reviewed on: 9th July 2026

Really useful for spreading the cost, monthly paymen...

Really useful for spreading the cost, monthly payments are very affordable and the interest isn’t too expensive. Very easy to use and navigate Reviewed on: 9th July 2026

Very easy to set up and use.

Very easy to set up and use. Reasonable interest rates. Reviewed on: 9th July 2026

Easy to use, very helpful, and a lifesaver

Easy to use, very helpful, and a lifesaver Reviewed on: 9th July 2026

Many advantages to using Paypal

It is very easy to transact via the app. Many providers also accept Paypal as a means of payment. There is transparency on pricing and the pay in 3 option is great! It helps with purchasing things at no interest and making things affordable. Reviewed on: 9th July 2026

Great service

I’ve used PayPal for years and they’ve always been great, quick easy payments, any issues resolved with customer service, no problems Reviewed on: 9th July 2026

Good for online shopping

Mostly used for online purchases. I tried using it for a store payment but it didn't work Reviewed on: 9th July 2026

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