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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 77,772 reviews, last reviewed 19th Apr 2026
2487600% increase in 5 star reviews
in the past 90 days
7200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

PayPal Credit is a saver PayPal Credit saved me all the time Reviewed on: 19th April 2026
Mirela C's avatar
Mirela C

Latest lowest rating:

1

A great and useful application and easy for people t... A great and useful application and easy for people to deal with Reviewed on: 19th April 2026
Adnan M's avatar
Adnan M
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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 (77772)

Always great service, not hanging on phone for ages

5
Always great service, not hanging on phone for ages Reviewed on: 6th April 2026
Tina Phillips's avatar
Tina Phillips

Never had an issue using PayPal easy to use and inte...

5
Never had an issue using PayPal easy to use and interest free options so a win win for me! Reviewed on: 6th April 2026
Craig Jones's avatar
Craig Jones

I had a good experience using paypal to buy goods

5
I had a good experience using paypal to buy goods Reviewed on: 6th April 2026
Mazieza C's avatar
Mazieza C

Easy to use and flexible payment options,

5
Easy to use and flexible payment options, Reviewed on: 6th April 2026
Steven H's avatar
Steven H

Easy quick transactions, good credit rating

5
Easy quick transactions, good credit rating Reviewed on: 6th April 2026
Louise J's avatar
Louise J

Great service and great value.

4
Great service and great value. I would recommend them. Reviewed on: 6th April 2026
Pip's avatar
Pip

Super Easy and 4mths interest free.

5
It was very easy to start using PayPal Credit, initially through the app and then with ApplePay and ultimately also with a physical card. 4mths interest free was a good deal, so I’m using it to the max. No difficult credit application process - I guess they already know all they need to know from my regular PayPal activities. Reviewed on: 6th April 2026
Andy Hardy's avatar
Andy Hardy

It's good on the whole - although not enough 0% opti...

4
It's good on the whole - although not enough 0% options! Reviewed on: 6th April 2026
Naomi J's avatar
Naomi J

A useful way to send money.

5
Easy to use and safeguards my details when paying for goods. I also like being able to send funds to friends and family living abroad without charges. Being able to split the bill is also a bonus. Reviewed on: 6th April 2026
Maggie W's avatar
Maggie W

Convenient but Costly in 2026

5
After 8+ years using PayPal for online shopping, freelance payments, and international transfers, it remains a go-to for convenience but falls short for serious money optimization. What I love: One-click checkout works flawlessly across thousands of sites. Buyer protection has saved me twice on non-delivered or faulty items with quick refunds. The app is smooth, security features (2FA, alerts) are solid, and receiving payments from overseas clients is straightforward with multi-currency support. Where it hurts smart money habits: Fees are the biggest drag. Sellers face roughly 2.9–3.49% + fixed fees domestically, plus an extra 1.5% for international commercial transactions and 3–4% currency conversion markup. Sending international personal payments can hit 5% (capped at $4.99). These costs add up fast on volume or cross-border work. Account holds during security checks have frozen funds for days, disrupting cash flow. Customer service feels robotic for complex issues. In 2026, better alternatives like Wise beat PayPal on international fees and speed. I now use PayPal selectively for protection and quick buys, but route larger transfers elsewhere. Verdict: Still valuable for convenience and buyer/seller protection, but not the cheapest or most efficient tool. Use it wisely as part of a broader fintech stack. Reviewed on: 6th April 2026
Alfie P's avatar
Alfie P

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