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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181143)

Very easy to use

Very easy to use and with PayPal guarantee your money is in safe hands Reviewed on: 9th June 2026

Awful customer service,payments not taken when made

Payments made from my bank are not immediately collected-sometimes taking 2 or 3 weeks meaning a payment that I believe i have made is instead collected at some random time in the future/doesnt even show on my bank as pending giving an inaccurate representation of how much money I have available. Customer service is pretty much non existent-tried the chat to go round in circles for over an hour being "transfered" to multiple different people "who can help" only to have to repeat myself/be asked the same questions despute being advised they would take a minute to read the chat. Then being advised payment can take up to 10 working days (but 20 days already being beyond this). Tried then calling only to be put on hold for the call to then randomly drop before speaking to someone (also for over an hour). Back on chat to raise it as a complaint, advised to end the call and a manager would call back straight away-no one called back(now over a month later), still same issue. Reviewed on: 9th June 2026

Love, love it!

Love, love it! Especially the convenience of the instant credit. Use it all the time. I would recommend it to all my family and friends. Reviewed on: 9th June 2026

No problem

No problem with the purchase process and if i have any questions always easy to contact by phone which I prefer Reviewed on: 9th June 2026

PayPal four months interest...free the best

The PayPal Credit is excellence four months interest three paying three and you have PayPal protection if anything goes wrong or gets lost it’s a really good system Reviewed on: 9th June 2026

no issues, very happy with the service

no issues, very happy with the service Reviewed on: 9th June 2026

PayPal App

The app is extremely easy to navigate and provides all the information needed. Reviewed on: 9th June 2026

PayPal is fantastic!

PayPal is fantastic, it gives me the flexibility I need to pay back in 4 months period. The offers are really nice, encourages me to pay via PayPal for many things I wouldn’t consider paying with PayPal! Reviewed on: 9th June 2026

Added protection

Very helpful and useful tool to add more protection to my money Reviewed on: 9th June 2026

Very helpful credit.

Very helpful credit. Excellent PayPal service. Highly recommended Reviewed on: 9th June 2026

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