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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (108243 reviews)

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4.90

Based on 108,243 reviews, last reviewed 16th May 2026

2647100% increase in 5 star reviews

in the past 90 days

7700% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Very useful and easy to use Very useful and easy to use. Can use it in most places. Reviewed on: 16th May 2026

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th May 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 (108243)

It's much easier to spread the cost of an item over...

It's much easier to spread the cost of an item over a period of 3-4 months interest free, not having to pay out a lot of money in 1 payment especially in these expensive times. Reviewed on: 17th April 2026

Fair credit keeps you within your limits

Fair credit based on your repayments. Keeps you in check and allows you to budget. Always supportive if transactions go wrong Reviewed on: 17th April 2026

Highly recommended

Easy to use and any issues are dealt with promptly and effectively. Customer service is excellent and highly recommended. Reviewed on: 17th April 2026

Easy and reliable service, which is quick easy and s...

Easy and reliable service, which is quick easy and simple to use. Totally recommend. Reviewed on: 17th April 2026

I’ve never had any issues using PayPal.

I’ve never had any issues using PayPal. Anytime I need assistance the where there Reviewed on: 17th April 2026

Woop woop

Easy to apply and very easy to understand Reviewed on: 17th April 2026

Seamless experience, customer service is top-notch.

Seamless experience, customer service is top-notch. Solved my issues and gave me advices that suits my best interests. Really thankful Reviewed on: 17th April 2026

Easy and convenient.

Easy and convenient. Help is there when needed with a quick respond. Reviewed on: 17th April 2026

Paypal has been there were others have not

Buyer protection is a lifesaver – When i was charged and service have not been delivered?, last week, PayPal refunded me in less than 48 hours, no runaround. Sellers know this, which keeps them honest. Speed & convenience – One-click checkout without re-entering card details everywhere. Plus, instant transfers to my bank (for a small fee) or free standard 1-2 day transfers. Security that gives peace of mind – I never share my card number with merchants. PayPal’s 24/7 monitoring caught a suspicious login attempt last year and blocked it before anything happened. Global reach – Sent money to a friend in Japan; it arrived in seconds. Received payments in euros and dollars seamlessly. App & UX are top-notch – Biometric login, clear transaction history, and easy dispute filing. Even my non-techy parents use it without frustration. A tip from a power user: Link a credit card as backup – you get rewards + PayPal’s protection. And yes, customer service has improved; their 24/7 chat resolved a hold on my account in 10 minutes last week. Is PayPal perfect? No service is. But for everyday online shopping, bill splitting, and small business payments, nothing else comes close. Highly recommended. Reviewed on: 17th April 2026

Very happy with the service I have received this far...

Very happy with the service I have received this far from PayPal! Reviewed on: 17th April 2026

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