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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (158275 reviews)

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4.73

Based on 154,578 reviews, last reviewed 6th Jul 2026

1452% increase in 5 star reviews

in the past 90 days

1727% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always find them extremely helpful and any issues re... Always find them extremely helpful and any issues resolved quickly Reviewed on: 6th July 2026

Latest lowest rating:

2

Ripped off by seller. Ripped off by seller. PayPal was zero use in getting any .money back. Would not use again. Reviewed on: 6th 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 (158279)

Handy, flexible credit that fits everyday life

I’ve used PayPal Credit for several years now. The application process was quick and straightforward – I got an instant decision, and once approved, the credit line was available to use straight away, no extra card needed. What I love most is the 0% interest offers on qualifying purchases over a set period – it makes spreading the cost of bigger buys really affordable, as long as you pay off the balance before the promotional period ends. It works seamlessly wherever PayPal is accepted online, so I don’t have to enter new card details every time I shop. The account management is simple too: I can check my balance, view statements, and make payments easily through the PayPal app or website. Reminders help me stay on top of due dates, and customer support has been helpful whenever I’ve had a quick question. It’s perfect for planned purchases or covering unexpected costs without the hassle of applying for a separate store card. Just like any credit, it works best when you use it responsibly – pay on time and you avoid extra charges. Definitely recommended for anyone who wants flexible, convenient credit with trusted backing. Reviewed on: 9th June 2026

Happy with my interactions with PayPal credit

Happy with my interactions with PayPal credit Reviewed on: 9th June 2026

It’s so easy to use PayPal and most companies accept...

It’s so easy to use PayPal and most companies accept - it’s even better now I have a physical card! I especially love the “Pay in 3” giving you 3 months to pay a smaller amount interest free and the “pay nothing for 4 months” over certain amounts you can use this - especially helpful at the end of the month when money is tight then you can pay it off interest free as and when before the 4 months are up! Reviewed on: 9th June 2026

very very good expriance with paypal

very very good expriance with paypal Reviewed on: 9th June 2026

Great service and protection.

Great service and protection. Easy to use. Reviewed on: 9th June 2026

Absolutely fantastic customer service and excellent...

Absolutely fantastic customer service and excellent to use. Very happy with PayPal Reviewed on: 9th June 2026

Excellent

Great for transactions. Very smooth Reviewed on: 9th June 2026

Very easy application, decision straight away.

Very easy application, decision straight away. So easy to set up online and use in the app straight away, as well as been able to request a physical card. Repayments make easy by setting up a direct debit. Reviewed on: 9th June 2026

I am 63 and I find using paypal so easy, I mainly us...

I am 63 and I find using paypal so easy, I mainly use it for Ebay but whenever I shop elsewhere on line I always look for paypal payment because its safe and secure. They are also very good at helping with disputes and getting refunds when the sellers are being less than helpful. I have used paypal for years and I will continue to do so. Reviewed on: 9th June 2026

PayPal is great but trying to get in contact is diff...

PayPal is great but trying to get in contact is difficult Reviewed on: 9th June 2026

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