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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (173324 reviews)

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4.73

Based on 172,574 reviews, last reviewed 9th Jul 2026

1417% increase in 5 star reviews

in the past 90 days

1386% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

All good no problems. All good no problems. Easy to use interface. Reviewed on: 9th July 2026

Latest lowest rating:

1

I have had one very unpleasant experience with PayPa... I have had one very unpleasant experience with PayPal, they offered no support regardless of an exceptional circumstance and regardless of my excellen... Read more Reviewed on: 9th 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 (173385)

My only way to pay now.

My only way to pay now. Do not have anxiety over online purchases Reviewed on: 3rd June 2026

Pay by three is very convenient

Pay by three is very convenient, especially as the credit facility is paid up in three months, and there's no risk of maxing out credit cards and falling back on minimum payments. Reviewed on: 3rd June 2026

Does what it’s supposed to.

Does what it’s supposed to. Reliable and trust worthy. Reviewed on: 3rd June 2026

Good services

Never really have problems with their services but they are very responsive and reassuring if anything does happen. Reviewed on: 3rd June 2026

It just makes me feel safe with purchases and it’s e...

It just makes me feel safe with purchases and it’s easy to use and you have my trust Reviewed on: 3rd June 2026

Makes everything so much quicker and simpler

Makes everything so much quicker and simpler Reviewed on: 3rd June 2026

Great product, diverse options for cost spreading.

Great product, diverse options for cost spreading. Anything from 0% for 4 months or pay in three. You're covered all round, decent spending protection. The only problem is the lack of moving the balance to another provider. Reviewed on: 3rd June 2026

Excellent service

Excellent servic. Specially pay in 3 help me alot Reviewed on: 3rd June 2026

Easy to use, I feel safe using PayPal.

Easy to use, I feel safe using PayPal. Reviewed on: 3rd June 2026

First Purchase, Lasting Confidence.

First Purchase, Lasting Confidence. Signing up took seconds, no forms, no waiting. At checkout, the option appeared, and a single click shifted the full balance to a manageable plan. The payment cleared instantly; the merchant shipped same-day. The reassurance lay in what happened after the click. PayPal's buyer protection sat behind every transaction dispute resolution, refund holds, and clear escalation paths if goods fell short. It felt less like extending trust to an unknown seller and more like paying through an established intermediary with a stake in both sides playing fair. For a first experience, the friction was minimal and the safety net conspicuous. The payment was swift; the protection, quietly credible. That first experience established a baseline expectation. Online payments, done well, should feel effortless on the surface and fortress-secure beneath. Swift when you need efficiency; protected when you need recourse. The best technology, I realised, is the kind that earns your trust by making itself almost invisible, then proves its worth only when something goes wrong. Reviewed on: 3rd June 2026

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