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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146123 reviews)

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4.73

Based on 146,027 reviews, last reviewed 29th Jun 2026

4374900% increase in 5 star reviews

in the past 90 days

12550% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great for new home Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making m... Read more Reviewed on: 29th June 2026

Latest lowest rating:

2

I am requesting a full investigation into my PayPal... I am requesting a full investigation into my PayPal Credit account because I believe there may be an error in the way my account has been calculated. ... Read more Reviewed on: 29th June 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 (146123)

I always use PayPal.

I always use PayPal because they are easy to use, they have helped with difficult traders and provide good information on your spending. Reviewed on: 6th May 2026

I love using PayPal. It’s a staple to my lifestyle...

PayPal has been a staple to me and my spending for as long as I can remember. I will continue to use PayPal for a lifetime and spread the word that all my family and friends should do the same. It’s easy to use, quick to respond if need of any assistance, I love using PayPal. Reviewed on: 6th May 2026

paypal is the top money app in the world

I have been using paypal for over a decate with it helping me buying some important stuff also when i had no money to spare thanks to its low fare credit or as well, to spread cost over 4 months without paying bank rate, it is super easy to use and it keeps improving with max security as well Reviewed on: 6th May 2026

Very easy and good to use.

Very easy and good to use. Fair interest rates and customer service is easy Reviewed on: 6th May 2026

Convenient and easy to use for everyday purchases

I’ve had a really positive experience using PayPal Credit. The application process was quick and straightforward, and I was able to start using it almost immediately. It works seamlessly with PayPal at checkout, which makes it incredibly convenient when shopping online. I’ve found it especially helpful for spreading the cost of larger purchases, and the promotional offers give extra flexibility when managed well. Everything is clearly set out in my account, so it’s easy to keep track of balances and payments. Overall, it’s a great option if you want a flexible and simple way to manage online spending. I would definitely recommend it to others looking for a reliable credit option. Reviewed on: 6th May 2026

Papal & our Family Holidays.

Well over the last 12 months (2025/26) I have used Papal Credit to pay for 5 holidays. This payment method enabled myself and my family to enjoy much needed relaxation and recuperation. This all comes off the back of a serious motorcycle accident in 2024. Thanks to PayPal credit i was able to breakdown these payments into affordable equal amounts. Thanks again to PayPal. I have now recommended this to both my wife and daughter. I will continue to use PayPal as a source of everyday debit payments, along with the PayPal credit. My last experience is regarding customer service and satisfaction. When in the passed i have had to call. The customer service has been very helpful. Please continue with an excellent service and in return i will continue to use this amazing service. Well done PayPal Reviewed on: 6th May 2026

Great Service

They are always happy to help when i have a dispute Reviewed on: 6th May 2026

Great service, never any problems

Great service, never any problems Reviewed on: 6th May 2026

Smooth, Reliable, and Convenient Credit Option

I’ve had an excellent experience using PayPal Credit. The application process was quick and straightforward, and I was approved almost instantly. It’s been incredibly convenient for making purchases online, especially with the flexibility to pay over time. The interface is easy to use, and I always know exactly what I owe and when payments are due. I also appreciate the promotional financing options, which have helped me manage larger purchases without stress. Overall, it’s a reliable and user-friendly credit option that I’d highly recommend to anyone who shops online regularly. Reviewed on: 6th May 2026

Trust the Process

I had a fraud issue which was sorted out. Thieves stole my phone and tried to make some purchases, the purchases came through to my email and I had the chance to reject the transaction and state why I was rejecting the transaction, those transactions and almost straight away, were refunded back to my account. Spoke with customer services, the fraud team and was provided the opportunity to explain the circumstances, provided some evidence and assistance and monies were returned. Reviewed on: 6th May 2026

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