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PayPal: PayPal Credit reviews

4.73
Based on 143,929 reviews, last reviewed 21st Jun 2026
4280050% increase in 5 star reviews
in the past 90 days
12300% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Payment options are quite handy. Payment options are quite handy. Availability across vendors is great. Options to pay later are great. Reviewed on: 21st June 2026
Luis Santos's avatar
Luis Santos

Latest lowest rating:

2

Worst customer service ever. PayPal + is really the only redeeming feature of the whole operation. It’s worth dealing with the appalling customer service, delayed refunds and endl... Read more Reviewed on: 21st June 2026
Stephanie S's avatar
Stephanie S

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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Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (143929)

Easy to use

5
I’ve been using PayPal Credit for a while now, and overall it’s a convenient option for managing purchases and spreading payments. The application process was straightforward, and it integrates seamlessly with regular PayPal transactions, which makes checkout quick and easy. Reviewed on: 16th April 2026

Just good safe way to pay for things.

5
Just good safe way to pay for things. Also like where you can spread the cost of items over months. Pay min payment Reviewed on: 16th April 2026

Easy easy easy.

5
Easy easy easy. Just so easy to use and pay with Reviewed on: 16th April 2026

PayPal is the best and their customer service is top...

5
PayPal is the best and their customer service is top notch Reviewed on: 16th April 2026

flexible credit

4
Buy now and pay balance in full in four months, no interest charges works well for me when budgeting for large expenses Reviewed on: 16th April 2026

Overall experience is good with Paypal

4
Overall experience is good with Paypal Reviewed on: 16th April 2026

Very easy to use and secure couldn’t recommend it en...

5
Very easy to use and secure couldn’t recommend it enough Reviewed on: 16th April 2026

Very reliable and top quality

5
Very reliable and solid. No issues at all with the seamless service leaving me feel secure. Reviewed on: 16th April 2026

Good, clear rules set out for consumer, nice benefit...

5
Good, clear rules set out for consumer, nice benefits like paying off in certain amount of time means zero interest. Credit reviewed and upped automatically if applicable! Reviewed on: 16th April 2026

Excellent customer service

5
Always on point great service any issues or problems I ever had was quickly and efficiently resolved Reviewed on: 16th April 2026

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