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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 181,155 reviews, last reviewed 5th Oct 2026
75% decrease in 5 star reviews
in the past 90 days
73% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 2026
tank's avatar
tank

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026
Bianca Vlascu's avatar
Bianca Vlascu
Read all reviews See your review

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 (181155)

Review of the PayPal, PayPal Credit:

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

5
Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024
Manjeet P's avatar
Manjeet P

Excellent

5
All Seamless from applying to the usage’s Reviewed on: 12th July 2026
Olawale T's avatar
Olawale T

So easy to use.

5
So easy to use. Smooth transactions. Feel very safe using PayPal. Love the rewards with PayPal+. Reviewed on: 12th July 2026
Music maker's avatar
Music maker

PayPal for the people

5
Have been with PayPal for many years resolved any issues I have had in a timely manner I like having the option of pay in three or credit which is interest free for 3 months I trust PayPal to send money to friends and family overall PayPal is customer focused and trustworthy. Reviewed on: 12th July 2026
Vee's avatar
Vee

Seamless overall.

5
Its been seamless overall. Applying was straightforward, the app is simple to move around and setting up payment too. Reviewed on: 12th July 2026
Carla E's avatar
Carla E

Well i have been using PayPal for many years now and...

5
Well i have been using PayPal for many years now and never had any reason not to use pp its very easy to use iam nearly 64 years old i got scamed one time buying a diesel generator and as soon as I realised I was just about to phone them they phoned me the put the money back into my account within 5 minutes and they did the rest no stress and that was good enough for me thankyou PayPal Reviewed on: 12th July 2026
ken howard's avatar
ken howard

I have always used and trusted PayPal.

5
I have always used and trusted PayPal. Payment is made easy and hassle free. Reviewed on: 12th July 2026
Caitlin J's avatar
Caitlin J

PayPal customer service is incredible, they are easy...

5
PayPal customer service is incredible, they are easy to access, they offer flexible repayment plan of 4months free interest which supersedes their counterparts, they have a card that can be used instore as well. I believe this is a well organised industry with customer focused service. Reviewed on: 12th July 2026
Halima O's avatar
Halima O

Excellent

5
Reliable, easy to use with great rates and customer service. Been using PayPal for years now and have no reason to change that. Excellent! Reviewed on: 12th July 2026
Joseph Fruci's avatar
Joseph Fruci

Accessible funds.

4
Accessible funds. Good 0% apr for 4 months. Reviewed on: 12th July 2026
M C's avatar
M C

Used PayPal credit for the 24 month intrest free opt...

5
Used PayPal credit for the 24 month intrest free options it provides via its partnership with Samsung. It was easy to set up and is clear in showing how much I need to pay each month and how much I have left total. Reviewed on: 12th July 2026
Thinderjoe's avatar
Thinderjoe

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