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PayPal: PayPal Credit reviews

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4.91
Based on 91,491 reviews, last reviewed 1st May 2026
1878300% increase in 5 star reviews
in the past 90 days
10600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Great experience, It is brilliant that you are rewar... Great experience, It is brilliant that you are rewarded for what you spend. I always feel secure when using paypal Reviewed on: 1st May 2026
Kevin W's avatar
Kevin W

Latest lowest rating:

2

I have not use it yet. I have not use it yet. I just created an account now Reviewed on: 1st May 2026
Berthe W's avatar
Berthe W
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (91491)

Gives me the extra buffer and security needed for my...

5
Gives me the extra buffer and security needed for my online shopping Reviewed on: 24th April 2026
Ayokunle O's avatar
Ayokunle O

I’ll be honest, no one loves a payment app like Paypal

5
I’ll be honest—no one loves a payment app the way they love music or people. But sometimes, something as simple as PayPal earns a weird kind of loyalty because of what it makes possible. A few years ago, I was trying to sell some clothes online. Nothing big—just pieces I’d collected over time that didn’t fit my style anymore. At first, everything felt sketchy. Random buyers, messages at odd hours, people asking for strange payment methods. It didn’t feel safe. Then someone suggested PayPal. The first time I used it, it felt almost too easy. The buyer sent the money, it showed up instantly, and there was this quiet reassurance in the background—buyer protection, seller protection, a record of everything. No awkward bank details, no worrying if someone would “forget” to pay after receiving the item. Over time, it became more than just a tool. It was how I paid small artists I discovered online. How I split bills with friends without making it awkward. How I sent money internationally without feeling like I was being robbed by fees or delays. It just… worked. And yeah, there were moments it wasn’t perfect. Occasional holds, fees that made you sigh, customer service that took patience. But even then, it felt like part of a system trying to balance trust between strangers on the internet—which is no small thing. So when I say I “love” PayPal, it’s not in some blind, brand-worship way. It’s more like respect. It made online transactions feel normal, even human. It removed just enough friction that you could focus on what actually mattered—buying, selling, supporting people, building something. And in a world where most online interactions feel disposable, having something that quietly makes things smoother and safer? That’s worth appreciating. Reviewed on: 24th April 2026
Antoniu V's avatar
Antoniu V

Great for money in times needed extra credit for goo...

5
Great for money in times needed extra credit for goods to buy. Reviewed on: 24th April 2026
Orlando XYZ's avatar
Orlando XYZ

Always had a good experience using PayPal.

4
Always had a good experience using PayPal. PayPal credit has made shopping more convenient Reviewed on: 24th April 2026
Elizabeth P's avatar
Elizabeth P

PayPal credit is so easy to use

5
PayPal credit is so easy to use and the 0% for 4 months on eligible purchases is so much better than using a credit card. Making purchases is really fast. Checking your balance and making payments is really easy on the app too. Reviewed on: 24th April 2026
Dan P's avatar
Dan P

Great Options

5
Recently started using PAYPAL and it offers options others don’t, like pay in 3 Reviewed on: 24th April 2026
Daniel H's avatar
Daniel H

I have never had a problem with PayPal I love how fl...

5
I have never had a problem with PayPal I love how flexible and reliable it is.I also know that if I order anything online I have protection with PayPal. Reviewed on: 24th April 2026
U B's avatar
U B

PayPal has helped me in all aspects pay in 3 PayPal...

5
PayPal has helped me in all aspects pay in 3 PayPal credit providing me with opportunities like holidays and weekends away with there interest free payment options Reviewed on: 24th April 2026
Debbie L's avatar
Debbie L

It’s quick and easy to use and provides good rewards.

5
It’s quick and easy to use and provides good rewards. Being able to have the card virtual in my phone helps to not miss out the option to earn points. Reviewed on: 24th April 2026
Emw's avatar
Emw

PayPal credit has helped me in many occasions, it gi...

5
PayPal credit has helped me in many occasions, it gives costumers the opportunity to pay in 4x instalments 0% interest, something other credit card companies don’t tend to offer. Reviewed on: 24th April 2026
LS C's avatar
LS C

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