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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (139354 reviews)

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4.73

Based on 139,354 reviews, last reviewed 15th Jun 2026

4072000% increase in 5 star reviews

in the past 90 days

11550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I love that the good interest rate I love that the interest rate is the cheapest. And I get good rates and sometimes good promotions that save me money Reviewed on: 15th June 2026

Latest lowest rating:

2

Buyer protection is a myth Offered no buyer protection or support after I was ripped off by a watch company never followed up on the complaint I made about it. Reviewed on: 15th June 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.

PayPal PayPal Credit reviews (139354)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

PayPal credit

Never had any issues with it. It’s easy to manage the balance and payments on the website or in the app Reviewed on: 12th June 2026

I’ve used Paypal credit for a few years now, and it...

I’ve used Paypal credit for a few years now, and it really helps me with spends that need to be made, that can’t wait until next payday. The interest free for the first three months allows me to get outgoings paid, without any increase on the cost like other companies provide. My credit allowance is very reasonable for my spending and income, and the process of repaying is fluid. Reviewed on: 12th June 2026

It is always easy to use and clear to pay back.

It is always easy to use and clear to pay back. Which is exactly what you need. Reviewed on: 12th June 2026

The best payment option

I feel safe and secure when ordering with PayPal , I feel protected and I also experienced professional customer service and efficient response Reviewed on: 12th June 2026

Easy to use, great customer service when needed

Easy to use, great customer service when needed Reviewed on: 12th June 2026

It was easy to apply.

It was easy to apply. Excellent communication through email. Reviewed on: 12th June 2026

PayPal or credit card ?

PayPal have been really good to deal with payment options are flexible and convenient. The only criticism was when I bought an item it wasn't as described i returned the item the seller kept the item PayPal sided with seller he had the return and my money that wouldn't have happened with a credit card Reviewed on: 12th June 2026

Pay credit and pay in 3 is very useful for emergency...

Pay credit and pay in 3 is very useful for emergency purchase as you can spread the cost over 3 months or pay no interest in 4 months. It helps in maintaining our budget. Reviewed on: 12th June 2026

Smooth and predictable financing

Checking out with PayPal Credit online is incredibly efficient. The approval process during checkout was instant, and it integrates directly into my digital wallet without requiring a physical card. It makes managing larger tech or home purchases simple because you can track everything right alongside your normal daily transactions. The app layout is clean, and seeing the exact promotional expiry dates clearly on the dashboard takes the guesswork out of the repayment schedule. Reviewed on: 12th June 2026

The Smarter Way to Shop, Spend, and Save

Just wanted to share how impressed I’ve been with PayPal Credit. The application process was quick and straightforward, and having a flexible credit line tied directly to my PayPal account makes online shopping incredibly convenient. The 3month interest-free financing on purchases that are larger it’s let me manage bigger purchases without any financial stress. Payments are easy to track right in the app, and I always know exactly where I stand. Overall, PayPal Credit has been a seamless, reliable option that I’d recommend to anyone who shops online regularly. It’s made managing purchases so much easier. Reviewed on: 12th June 2026

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