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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180929 reviews)

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4.73

Based on 180,929 reviews, last reviewed 17th Jul 2026

306% increase in 5 star reviews

in the past 90 days

367% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Excellent service all round . Excellent service all round . They treat you like a real person and understand your problem. Reviewed on: 17th 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 (180929)

Easy to use

Easy to navigate and everything was clear to me. I would use again if I ever need to. Reviewed on: 16th June 2026

I use Paypal Credit to manage purchases and pay over...

I use Paypal Credit to manage purchases and pay over time, it is very easy to use. Having a physical card now means I can use it anywhere and still benefit from the 4 month interest free period. Reviewed on: 16th June 2026

It's ok, I wish allocation of funds in promotional o...

It's ok, I wish allocation of funds in promotional offers would be clearer. Reviewed on: 16th June 2026

An Essential, Secure, and Reliable Digital Wallet

An Essential, Secure, and Reliable Digital Wallet I’ve been using PayPal for both personal transactions and online shopping for years, and it remains my go-to digital wallet. In an era where online security is more critical than ever, PayPal provides a seamless layer of protection that gives me complete peace of mind. What Makes It Excellent: Top-Tier Security & Fraud Protection: The biggest selling point is not having to enter my credit card details on every single website I visit. PayPal acts as a secure buffer, and their Buyer Protection program has saved me more than once when an online order failed to arrive. Unmatched Convenience: Checking out takes seconds. Whether on a desktop or mobile, the one-touch login makes purchasing incredibly smooth. Versatility: Beyond shopping, it’s incredibly easy to split bills with friends, send money to family instantly, and manage international payments. Streamlined Mobile App: The app is clean, intuitive, and makes it simple to track spending, manage linked cards, and monitor crypto or savings yields if you use those features. A Quick Note for Improvement: While the service is phenomenal for buyers, the fee structure for sellers and international currency conversions can be a bit steep. However, for everyday consumer use, the safety and convenience far outweigh these minor drawbacks. Reviewed on: 16th June 2026

It’s really enjoyable to work with someone who cares

It’s really enjoyable to work with someone who cares Reviewed on: 16th June 2026

I was stuck at a petrol station need petrol and coul...

I was stuck at a petrol station need petrol and could I move money around on my bank due to some technical issues, but my friend was able to send money to me via pay pal allowing me to make the purchase of petrol after withdrawing it to my bank! Reviewed on: 16th June 2026

It's great to be able to plan expenditure.

It's great to be able to plan expenditure by utilising 4 months interest free credit. Note with the Post Pal credit MasterCard is easy to gain that promotion on items bought in the high street or at hotels etc. Reviewed on: 16th June 2026

Good, but I’m looking forward to a lot more categories.

Good, but I’m looking forward to a lot more categories. Reviewed on: 16th June 2026

I had never any issue using PayPal service always ha...

I had never any issue using PayPal service always handy when no cash in your pocket. Reviewed on: 16th June 2026

Easy to use and communicate with nice and simple

Easy to use and communicate with nice and simple Reviewed on: 16th June 2026

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