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PayPal: PayPal Credit reviews

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4.90
Based on 77,934 reviews, last reviewed 20th Apr 2026
2501900% increase in 5 star reviews
in the past 90 days
7300% 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

Quick decision and easy to apply for Quick decision and easy to apply for Reviewed on: 20th April 2026
Mark H's avatar
Mark H

Latest lowest rating:

1

I wanted to cancel automatic top ups, they have made... I wanted to cancel automatic top ups, they have made it so difficult. I wanted to speak to someone, nope no human, only ai as customer service that ca... Read more Reviewed on: 20th April 2026
Natasha's avatar
Natasha
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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 (77934)

Have never had a problem, always quick to resolve an...

5
Have never had a problem, always quick to resolve any queries Reviewed on: 15th May 2024
Sarah H's avatar
Sarah H

Good for casual use however

5
I’ve heard horror stories of errors in verification resulting in paypal basically confiscating an account’s balance! Also their pay-in-3 service doesn’t always work and there’s not much detail on why that is, and their credit section could also contain more detail in general. But for casual online purchases, it’s good! Reviewed on: 15th May 2024
P Lang's avatar
P Lang

I have been using PayPal credit and I am having exce...

5
I have been using PayPal credit and I am having excellent experience so far. They offer different plans to pay anything spent to spread across different no of months since that it is very useful. Reviewed on: 15th May 2024
anjaiah parimi's avatar
anjaiah parimi

Easy to use and quick credit.

5
Easy to use and quick credit. Payment terms are great Reviewed on: 15th May 2024
John k's avatar
John k

I’ve used for years I love the paypal credit as a lo...

5
I’ve used for years I love the paypal credit as a lot of payment are 0% if payed in 4 months. Reviewed on: 15th May 2024
Carol b's avatar
Carol b

Easy to use, great UI on the app, and very transpare...

5
Easy to use, great UI on the app, and very transparent with fees. Reviewed on: 15th May 2024
Scott B's avatar
Scott B

PayPal has been a reliable and convenient platform.

5
PayPal has been a reliable and convenient platform for all my online transactions. Its user-friendly interface makes sending and receiving money a breeze. The security measures in place give me peace of mind, knowing that my financial information is protected. Additionally, their customer support team has always been responsive and helpful whenever I've had an issue or question. Overall, PayPal has consistently delivered a seamless experience, and I highly recommend it to anyone looking for a trusted payment solution. Reviewed on: 15th May 2024
Alan B's avatar
Alan B

A Helping hand

5
I love how it helps me spread the cost during these tough times Reviewed on: 15th May 2024
Kimberley R's avatar
Kimberley R

Has a customer I'm very satisfied with making transa...

5
Has a customer I'm very satisfied with making transactions and payment true PayPal I'm not worried doing my transactions and customer services is very Neutral and easy to talk to Reviewed on: 15th May 2024
Francella Dwyer's avatar
Francella Dwyer

PayPal Credit, an excellent way to pay

5
In the world of online payments, PayPal Credit stands out as an exceptional service that offers both convenience and flexibility. As a digital line of credit, it integrates seamlessly with your PayPal account, allowing you to spread the cost of purchases over time. This can be particularly helpful for managing larger expenses or taking advantage of special promotions without the immediate financial strain. One of the most commendable features of PayPal Credit is its user-friendly interface. The process of applying for credit is straightforward and quick, with decisions often made within seconds. Once approved, the credit line is immediately available to use at millions of online stores that accept PayPal, making it a versatile tool for shoppers everywhere. Security is a paramount concern when it comes to financial services, and PayPal Credit excels in this area. It benefits from PayPal’s robust security measures, ensuring that your transactions are protected against unauthorized access and fraud. The peace of mind that comes with this level of security cannot be overstated. Moreover, PayPal Credit often offers promotional financing options, such as zero interest if paid in full within a set period. This can be a smart way to manage cash flow and avoid interest charges, provided you adhere to the terms of the offer. In conclusion, PayPal Credit is an excellent financial tool that provides a secure and flexible way to shop online. Its integration with PayPal, ease of use, and promotional offers make it a standout choice for consumers looking to finance their purchases wisely. Reviewed on: 15th May 2024
Carmine's avatar
Carmine

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