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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180972 reviews)

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4.73

Based on 180,961 reviews, last reviewed 20th Jul 2026

245% increase in 5 star reviews

in the past 90 days

294% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It was very clear and easy to use. It was very clear and easy to use. Reviewed on: 20th July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th July 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 (180972)

Overall great user experience

Easy to use, great account options. Overall great user experience. Reviewed on: 17th June 2026

Excellent experience with PayPal.

Excellent experience with PayPal. Fast, secure, and easy to use. Transactions are smooth, and the platform is reliable for both sending and receiving payments. Reviewed on: 17th June 2026

Always been positive, never had any issues with any...

Always been positive, never had any issues with any of my purchases. Reviewed on: 17th June 2026

Really Very convenient easy to use and very convenient.

Really easy to use and very convenient. Payments are quick and the whole process is smooth. Overall a great experience. Reviewed on: 17th June 2026

I was immediately given a decent amount of credit de...

I was immediately given a decent amount of credit despite a poor credit rating, appreciate the 0% interest offer on more expensive purchases. It’s easy to see how much money you have used and how much you’ve got left on the website and in the app, as well as add your card to Apple Pay for easier use in person where you wouldn’t normally be able to use PayPal. Reviewed on: 17th June 2026

Excellent !

Excellent !!! PayPal very helpful with fraud purchase Reviewed on: 17th June 2026

Easy to use, hassle free

It’s great, easy to navigate the app and overall great experience for years Reviewed on: 17th June 2026

Easy to Use but Could Improve Customer Support

My experience with PayPal Credit has generally been positive. The application process was straightforward, and it’s convenient to spread payments over time. The online account management tools are easy to use and payments are processed quickly. However, customer support response times could be improved, and clearer communication about promotional financing terms would help avoid confusion. Overall, it’s a useful payment option for managing larger purchases. Reviewed on: 17th June 2026

Trust and Confidence

I can trust PayPal for all my transactions. Reviewed on: 17th June 2026

Best credit service.

Best credit service. Easy to understand and follow through the process. Reviewed on: 17th June 2026

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