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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181134 reviews)

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4.73

Based on 181,134 reviews, last reviewed 25th Aug 2026

2% increase in 5 star reviews

in the past 90 days

12% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use great service Easy to use great service. most retailers allow you to use PayPal. Reviewed on: 25th August 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 (181134)

Best Retail Finance Provider

I use PayPal for absolutely everything. It’s easy. Straight forward and most importantly, very safe. You can be rest assured your money is safe when shopping online. Reviewed on: 8th June 2026

Have been using PayPal for online purchases for a lo...

Have been using PayPal for online purchases for a long time, without any issues. Any concerns have been dealt with, in good time. Refunded when due. Trusted in financial affairs and security in daily monetary transactions.. Reviewed on: 8th June 2026

Safe and secure!

I rarely buy goods online if the company involved does not allow PayPal payments. On the very few occasions that I have had an issue with a purchase made through PayPal, I can phone PayPal and speak to someone directly, explain my problem and they sort it out for me. I have only been disappointed once when the retailer convinced them that the issue was my fault. Reviewed on: 8th June 2026

A true Pal

I use PayPal weekly and never have issues. I use credit, debit and transfer facilties. I find it the safest way to transact Reviewed on: 8th June 2026

I have never had any issues when using PayPal even w...

I have never had any issues when using PayPal even when there has been situations that have required using the dispute function. Always been treated fairly and kept informed every step of the way Reviewed on: 8th June 2026

PayPal Credit is convenient

PayPal Credit Review PayPal Credit is a convenient option for spreading out the cost of purchases, especially for people who already shop through PayPal. The application and checkout process are simple, and the ability to pay over time can make larger purchases feel more manageable. One of its biggest strengths is flexibility. Many users like being able to take advantage of promotional financing on qualifying purchases, and several reviewers say it helps them handle unexpected expenses without immediately paying the full amount. That said, PayPal Credit is not perfect. Some users report poor customer service, difficulty resolving payment issues, and frustration with how charges or refunds are handled. Others note that the interest terms can be confusing, especially if a balance is not paid in full on time. Overall, PayPal Credit is a useful tool for disciplined borrowers who understand the terms and pay on time. It offers real convenience, but it works best for people who are careful about repayment and comfortable managing credit responsibly. Reviewed on: 8th June 2026

Great all round!

Great all round! easy to use, clear on terms, and customer service is amazing if you ever need them Reviewed on: 8th June 2026

It's good very flexible.

It's good very flexible. Apr is a little high but good overall Reviewed on: 8th June 2026

Always been super helpful.

Always been super helpful. Whenever I have had queries they have swiftly answered them Reviewed on: 8th June 2026

I use PayPal for home, business and anywhere ..

I use PayPal for home and business it’s so much easier Reviewed on: 8th June 2026

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