Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181150 reviews)

View other PayPal products

4.73

Based on 181,150 reviews, last reviewed 17th Sep 2026

59% decrease in 5 star reviews

in the past 90 days

45% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Amazing!!! Just really easy to use and great company Reviewed on: 17th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (181150)

I've been using PayPal for years

I've been using PayPal for years, I've never had an issue. Reviewed on: 6th July 2026

Had positive experiences throughout

Had positive experiences throughout Reviewed on: 6th July 2026

PayPal Credit helped me spread the cost of my purcha...

PayPal Credit helped me spread the cost of my purchases, making it easier to buy the items I needed without paying everything upfront. The application process was simple, payments were easy to manage, and the service has been reliable. Overall, it has been a useful option for managing my finances and shopping. Reviewed on: 6th July 2026

Very easy to use and keeptrack of.

Very easy to use and keeptrack of. The t’s & C’s are easy to grt your head around Reviewed on: 6th July 2026

Just great.

Just great. Quick, easy and something I can trust. Reviewed on: 6th July 2026

I’ve had nothing but a great service from Paypal cre...

I’ve had nothing but a great service from Paypal credit. It’s reassuring to know I can use Paypal for regular banking needs and also a credit card for unexpected bills. I’m very happy to recommend them Reviewed on: 6th July 2026

Never had a problem with this service!

Never had a problem with this service!! Reviewed on: 6th July 2026

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

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Retail Finance
from Zebra Finance 4.08 from 6 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub