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PayPal: PayPal Credit reviews

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4.90
Based on 107,203 reviews, last reviewed 14th May 2026
2600100% increase in 5 star reviews
in the past 90 days
7600% 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

Great experience Great customer service they give . Thanks Reviewed on: 14th May 2026
yasir aziz's avatar
yasir aziz

Latest lowest rating:

1

Watch out for hidden credit I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it ... Read more Reviewed on: 14th May 2026
Andrew White's avatar
Andrew White
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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 (107203)

Very good service overall.

5
Very good service overall. I like the new delivering tracking service introduced. I make most of my purchase using PayPal bcos of the security it gives, it's easier to transact on PayPal than using your bank cos PayPal customer service is very accessible and they resolve the issues speedily. Reviewed on: 17th April 2026
TJ's avatar
TJ

Convenient and Flexible, Requires Careful Management

5
I’ve had a positive experience using PayPal Credit overall. The application process was quick and straightforward, and I was able to start using it almost immediately. It’s especially convenient when shopping online, as it integrates seamlessly at checkout and gives me the option to spread the cost of purchases. One of the main benefits is the promotional financing offers, like 0% interest on certain purchases if paid off within the specified time. I also really like the Pay in 3 option, which makes it even easier to break payments into manageable chunks without added stress. This has been really helpful for managing larger expenses without paying interest, as long as I stay on top of repayments. That said, it’s important to be aware of the terms. If you don’t pay off the balance within the promotional period, the interest can add up quickly, so it requires careful planning and discipline. Overall, I find PayPal Credit to be a useful and flexible tool for short-term financing, and I would recommend it to others who are comfortable managing their payments responsibly. Reviewed on: 17th April 2026
FH's avatar
FH

Good offers and service, staff is quick and informat...

5
Good offers and service, staff is quick and informative in responding to any queries Reviewed on: 17th April 2026
DURRANI's avatar
DURRANI

Great idea getting points that can be exchanged for...

5
Great idea getting points that can be exchanged for credit. Very nice to get something back Reviewed on: 17th April 2026
JC's avatar
JC

Reliable and Secure Payment Experience

5
I’ve been using PayPal for a while now and find it very convenient and trustworthy. Payments are fast, and I appreciate the extra layer of security since I don’t have to share my card details directly. The buyer protection is also a big plus, making it a dependable choice for online shopping. Reviewed on: 17th April 2026
Zuzana M's avatar
Zuzana M

Excellent.

5
No issues with PayPal at all excellent service for purchase and monetary transaction Reviewed on: 17th April 2026
Mr E's avatar
Mr E

Easy to use, friendly and quick to set up

5
Easy to use, friendly and quick to set up Reviewed on: 17th April 2026
Gaston E's avatar
Gaston E

High interest rates on my account

5
High interest rates on my account Reviewed on: 17th April 2026
Sergiu's avatar
Sergiu

Very good

5
Very good and very professional with my membership Reviewed on: 17th April 2026
Gary L's avatar
Gary L

I'd be lost without PayPal

5
I used PayPal for long time now, and have always had hassle free purchases. I purchases items from different parts of the world,very easily paying in local currency through PayPal. Reviewed on: 17th April 2026
Russell G's avatar
Russell G

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