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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (179438 reviews)

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4.73

Based on 179,209 reviews, last reviewed 13th Jul 2026

634% increase in 5 star reviews

in the past 90 days

686% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is always there for when I need it. PayPal is always there for when I need it. Using my PayPal card was never easy, and the best it can give you points that you can exchange for real mon... Read more Reviewed on: 13th July 2026

Latest lowest rating:

2

Not best app to manage expenses and doesnot provide... Not best app to manage expenses and doesnot provide overveiw of expenses Reviewed on: 13th 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.

PayPal PayPal Credit reviews (179439)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Massive Credit Score Boost!! Great Value.

It helps your credit score being improved which is great for me. I started off with PayPal in 3 payments and from there I was able to be accepted for PayPal Credit. It helps to spread my payments across and makes life so much easier and manageable. Reviewed on: 10th July 2026

Great credit option

Helped provide financial support when needed. Flexible repayments and great customer service. Reviewed on: 10th July 2026

PayPal credit

Had it for Ticketmaster PayPal credit Reviewed on: 10th July 2026

always safe, secur.e and helpful

I've used paypal for years, it is always safe, secure and conveiniant. The one time i had to contact customer services they were friendly, informative, helpful and efficient. Great provider, would recommend. Reviewed on: 10th July 2026

hassle free application , very good free interest pe...

hassle free application , very good free interest periods, simple to use , has a good credit limit , very good communications should an issue arise , accepted in most stores , safe way to pay Reviewed on: 10th July 2026

Convenient, but payment timings could be better

PayPal Credit offers excellent convenience and security for online purchases, making it a reliable choice for digital transactions. The service is user-friendly, and PayPal's customer support team is genuinely helpful when issues arise. However, there's one feature that would significantly improve the experience: the timing of deductions from my bank account. Currently, PayPal deducts payments several days after the stated due date, which creates a frustrating gap in my financial tracking. When PayPal says payment is due on a specific day, I'd prefer the money to be withdrawn from my linked bank account on that exact date rather than days later. As someone who regularly uses both PayPal Credit and the Pay in 3 feature, this timing inconsistency makes it harder to manage my available cash and maintain an accurate picture of my finances. I often find myself uncertain about my true account balance until the delayed withdrawal actually processes. The bottom line: PayPal Credit remains a safe, convenient, and well-supported payment option. Aligning the promised payment date with the actual deduction date would be a valuable enhancement that could elevate the service from good to excellent. Reviewed on: 10th July 2026

PayPal gets the thumbs up!

PayPal helps me spread the cost of buying items and the handy app makes managing it easier. Reviewed on: 10th July 2026

Make refunds transparent!

I would like you to make refunds more transparent! I would like to see the refund not just taken from purchases Reviewed on: 10th July 2026

I am happy with PayPal because I have been dealing f...

I am happy with PayPal because I have been dealing few years with PayPal & i have no issues good customer service 5stars all way Reviewed on: 10th July 2026

Everything is clear and easy to do and no hidden cha...

Everything is clear and easy to do and no hidden charges Reviewed on: 10th July 2026

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