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PayPal: PayPal Credit reviews

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4.90
Based on 82,285 reviews, last reviewed 23rd Apr 2026
2904700% increase in 5 star reviews
in the past 90 days
4250% 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

Customer service are very kind and most of the time,... Customer service are very kind and most of the time, helpful. Reviewed on: 23rd April 2026
Dan's avatar
Dan

Latest lowest rating:

2

Its not bad service just okay, customer service need... Its not bad service just okay, customer service need a lot of work and they need to improve Reviewed on: 23rd April 2026
MAZIN ABDALLA's avatar
MAZIN ABDALLA
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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 (82285)

Integrates into every day life

5
Not much to say, but I like how it integrates in baskets and some outlets where you can use the credit Reviewed on: 7th April 2026
Bruce Kidd's avatar
Bruce Kidd

PayPal Credit is a convenient option for spreading t...

5
PayPal Credit is a convenient option for spreading the cost of purchases over time. It integrates seamlessly at checkout, making it easy to choose credit without leaving the payment flow. The application process is quick, and once approved, using it feels just as simple as a regular PayPal payment. Promotional offers, like interest-free periods on qualifying purchases, can be a big advantage if managed responsibly. While interest rates can be high outside of those offers, PayPal Credit remains a flexible and accessible way to handle larger payments when needed. Reviewed on: 7th April 2026
Jamilli G's avatar
Jamilli G

I’ve been using PayPal for quite some time now, and...

5
I’ve been using PayPal for quite some time now, and it has consistently been a reliable and convenient way to manage my payments. Whether I’m shopping online or sending money to friends and family, the process is always quick, simple, and secure. One of the things I appreciate most is how easy it is to use. The interface is straightforward, and transactions are completed within seconds. I also feel reassured knowing that there are strong security measures in place, which gives me confidence when making purchases online. Another great benefit is the flexibility PayPal offers, including linking multiple payment methods and having everything in one place. It saves time and makes managing finances much more efficient. Overall, my experience with PayPal has been very positive. It’s a dependable service that I use regularly and would happily recommend to others looking for a safe and convenient way to handle online payments. Reviewed on: 7th April 2026
Mima's avatar
Mima

Always sorts out payments taken by companies who sho...

5
Always sorts out payments taken by companies who shouldn’t take money and refunds when items not delivered Reviewed on: 7th April 2026
Lize's avatar
Lize

An excellent service.

5
An excellent service. Every time I had a problem, it was resolved very quickly, and in many cases my money was refunded. Many thanks Reviewed on: 7th April 2026
Marius P's avatar
Marius P

Great service, Low interest rate, easy to use app an...

5
Great service, Low interest rate, easy to use app and great communication, make PayPal credit my go to credit provider. Reviewed on: 7th April 2026
darren 's avatar
darren

Very easy to use.

5
Very easy to use. 0% gives great flexibility Reviewed on: 7th April 2026
Lee T's avatar
Lee T

Convenient and safe

5
When using a website for the first time I always use Pay Pal as I feel it offers an extra safety net. Also I like the Pay in 3 option if I were to need it. Reviewed on: 7th April 2026
Lynne S's avatar
Lynne S

Never been any issues, could say too efficient and g...

5
Never been any issues, could say too efficient and good as I use regularly with no issue. My only question would be could it be easier as in online to reduce the credit level? Reviewed on: 7th April 2026
Mr B Lawson's avatar
Mr B Lawson

PayPal account is worth having.

5
PayPal account is worth having. I have been with PayPal for more than 5 years and I have never had any issues Reviewed on: 7th April 2026
Blessing M's avatar
Blessing M

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