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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181064 reviews)

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4.73

Based on 181,064 reviews, last reviewed 27th Jul 2026

140% increase in 5 star reviews

in the past 90 days

191% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Love to use my PayPal account Easy and fast and trusted payment methods Reviewed on: 27th July 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 (181064)

Love to use PayPal love that there is a range of fin...

Love to use PayPal love that there is a range of finance options to choose from with competitive interest rates also the transferring and receiving of funds is so easy and can be in the bank account in minutes Reviewed on: 29th May 2026

PayPal helps me to pay my holidays in 4 months inter...

PayPal helps me to pay my holidays in 4 months interest free Reviewed on: 29th May 2026

Easy to use, safe & secure.

I find PayPal really easy to use, safe & secure and I don't have to leave my bank details with individual web pages which I find really reassuring. The ease to spread the cost of things is really good too. Reviewed on: 29th May 2026

Excellent service...safe anf fast

Excellent service..recomended...always safe and fast Reviewed on: 29th May 2026

Makes the unaffordable, affordable.

My experience with using PayPal Credit has been very positive. I’ve found it a convenient and flexible way to manage larger purchases, especially when I want to spread the cost instead of paying everything upfront. It has given me more breathing room when buying items online, while still keeping the payment process simple and easy to understand. I like that everything is linked through PayPal, so I can keep track of my purchases and payments in one place. PayPal Credit has been a helpful option for me. It has made online shopping feel more manageable, flexible, and secure, and I’ve appreciated the extra choice it gives me when making purchases. Reviewed on: 29th May 2026

Fast and efficient

Excellent service, fast and efficient, very simple to use and brilliant customer service. Reviewed on: 29th May 2026

So handy to have when running low near payday, very...

So handy to have when running low near payday, very easy to use and 4 months interest free is great for big unexpected purchases Reviewed on: 29th May 2026

Great company use it all the time

Great company use it.all the time, any issues might have had have always been resolved quickly Reviewed on: 29th May 2026

Paypal is like a big bro

PayPal has always had my back that is with things if I want to make a big purchase and split it in to 3 payment or if I want to use credit to my advantage with the 4 months not interest option I love it makes thing buying more accessible and easy. also eBay working close with PayPal you always got that buyers/sellers protection when you need it to have a peace of mind when buying online. Also PayPal is there to help you with tough situation like I had some time ago I went on holiday and actually got scammed by a hotel I booked through OPODO, PayPal managed to help me and retrieve my money for me with ease Reviewed on: 29th May 2026

Good credit product, poor customer services.

Applying for the credit account was straight forward and easy with no fuss. Terms and conditions are fairly generous so long as you pay off items within the 0% window, otherwise 30% is a bit steep. Customer service was not great, the chat AI can only respond within it's RAG knowledgebase and often cannot handle complex queries. Customer agents are not far better either as they too can only really respond with the information they have available in their knowledgebase so if the knowledgebase is dated, answers are not exactly helpful. I had trouble finding out if I could get a virtual credit card for my credit account but the agent could really only respond with "if you can get it, you can apply for the virtual card in your account", so found the agent to be lacking knowledge which tarnishes the customer-to-agent engagement. Paypal Credit is extremely convenient for online shopping and is overall, a fair product but customer services need more training and more access to current internal knowledge. Reviewed on: 29th May 2026

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