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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144179 reviews)

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4.73

Based on 144,178 reviews, last reviewed 21st Jun 2026

4291300% increase in 5 star reviews

in the past 90 days

12350% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great interest rates, easy app to use. Great interest rates, easy app to use. Helpful staff and reliant Reviewed on: 21st June 2026

Latest lowest rating:

1

Awful service. Awful service. Terrible App. Poor quality experience all around. Reviewed on: 21st 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 (144179)

Always easy to do whatever I need & simple ways to p...

Always easy to do whatever I need & simple ways to pay for high value stuff! Reviewed on: 17th April 2026

Great!!!!!!!!

Great! Love PayPal, would highly recommend. Great job all round. What more can I say!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Reviewed on: 17th April 2026

Never had a bad experience and been a user for over...

Never had a bad experience and been a user for over 15 years Reviewed on: 17th April 2026

Would definitely recommend

Easy to navigate, helpful customer service, regular updates and notifications, easy to move money around, no issues accessing the account Reviewed on: 17th April 2026

PayPal is very user friendly

I have been using PayPal for many years it has always been very easy and straightforward to use and to obtain credit or pay for my things. Reviewed on: 17th April 2026

PayPal is really quick, easy and safe to use

PayPal is really quick, easy and safe to use Reviewed on: 17th April 2026

I've had PayPal for around 7 years it's very safe an...

I've had PayPal for around 7 years it's very safe and great customer support Reviewed on: 17th April 2026

Reliable, Simple, Secure Everyday Payments

I’ve been using PayPal for quite a while now, and overall, my experience with it has been really positive. It’s become one of those apps that I just rely on without thinking too much about it, whether I’m shopping online, sending money to someone, or getting paid. What I like most is how simple and convenient everything feels—it just works. Getting started with PayPal was easy for me. I remember setting up my account in just a few minutes and linking it to my bank card without any hassle. From that point on, it felt like everything became quicker. Instead of typing in my card details every time I wanted to buy something online, I could just log in and pay in a couple of clicks. That alone made a big difference for me, especially when I’m shopping on websites I’m not fully familiar with. One of the main reasons I’ve stuck with PayPal is the sense of security it gives me. I like knowing that my financial details aren’t being shared with every website I buy from. On top of that, the buyer protection has actually helped me before. I had a situation where something I ordered never arrived, and PayPal stepped in and refunded me after I raised a dispute. That experience really built my trust in the platform because it felt like they had my back when things went wrong. I’ve also used PayPal quite a bit for sending and receiving money, and it’s been really convenient. Whether it’s splitting bills with friends or paying someone back quickly, it’s fast and straightforward. I just need their email or phone number, and the money is sent almost instantly. It saves a lot of time compared to traditional bank transfers, especially when you want things done quickly. Another thing I appreciate is how widely accepted PayPal is. I’ve come across so many websites that offer it as a payment option, and I almost always choose it when I can. It just feels quicker and more secure than entering card details every time. It’s also useful for international payments. I’ve sent and received money from people in other countries without needing to worry too much about the process. PayPal handles everything in the background, which makes it really convenient. That said, it’s not perfect. One thing I’ve definitely noticed is the fees. Depending on how you use PayPal, the charges can add up, especially for international transfers or business-related payments. There have been times when I’ve received slightly less than expected because of fees, which can be a bit frustrating. It’s not always super clear at first glance how much will be taken, so I’ve learned to double-check before making certain transactions. I’ve also had a minor issue once where a payment was put on hold. I understand that PayPal does this for security reasons, but it was still a bit inconvenient at the time because I needed access to the money quickly. It did get resolved, but it took a little patience. Experiences like that don’t happen often for me, but they do show that the system isn’t completely flawless. As for the app itself, I use it on my phone quite a lot, and I think it’s well designed. It’s easy to navigate, and I can quickly check my balance, review transactions, or send money in just a few taps. I also like getting notifications whenever something happens on my account—it helps me stay on top of things and spot anything unusual straight away. Overall, PayPal has made managing money online much easier for me. It’s reliable, fast, and widely accepted, which ticks most of the boxes I care about. While the fees and occasional holds can be a downside, they haven’t been enough to put me off using it. The convenience and peace of mind I get from using PayPal outweigh those negatives. If I had to sum it up, I’d say PayPal is one of those services that quietly makes life easier. I don’t have to think too much about it—it just does what I need it to do. From everyday payments to more important transactions, it’s a tool I’ve come to trust, and I can see myself continuing to use it for the foreseeable future Reviewed on: 17th April 2026

Flexible and convenient

If you’re looking for a flexible and convenient way to manage online purchases, PayPal Credit is a fantastic option worth considering. As someone who shops frequently online, I’ve found it to be one of the most seamless financing solutions available today. Getting started is incredibly straightforward. The application process takes just minutes, and once approved, your credit line is immediately available — no waiting for a physical card to arrive in the mail. The interface integrates beautifully within the existing PayPal ecosystem, making checkout a breeze at millions of supported retailers. One of the standout features is the four-month interest-free period on purchases, giving you genuine breathing room to spread costs without the stress of accumulating interest. It’s a game-changer for larger purchases. What truly elevates PayPal Credit above the competition is its compatibility with Apple Pay. Adding it to your digital wallet means you can tap and pay effortlessly, both online and in-store. Overall, PayPal Credit combines simplicity, flexibility, and smart technology to deliver a genuinely excellent financial tool. Reviewed on: 17th April 2026

Always feel safe and protected, any problems have be...

Always feel safe and protected, any problems have been sorted Reviewed on: 17th April 2026

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