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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145168 reviews)

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4.73

Based on 144,806 reviews, last reviewed 24th Jun 2026

4319700% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Simple to use, good to space out payments Simple to use, good to space out payments Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd 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 (145168)

The service they provide just makes sense...

The service they provide in allowing customers to send and receive money, t o pay for goods and services with several different options, makes controlling finances much more convenient and less stressful. Reviewed on: 16th April 2026

PayPal is so easy to use and gives great service...

PayPal is so easy to use and gives great service Reviewed on: 16th April 2026

I feel rest assured whenever I use PayPal for any pa...

I feel rest assured whenever I use PayPal for any payment. Reviewed on: 16th April 2026

I use PayPal to purchase things and when in emergenc...

I use PayPal to purchase things and when in emergencies PayPal credit come very handy and helpful. Reviewed on: 16th April 2026

Great Value, Room to Improve on Support

PayPal Credit offers genuinely excellent value for money. The interest-free periods are competitive, the integration with PayPal's wider platform is seamless, and it's hard to beat the convenience of having a credit facility built right into a payment method you're already using day-to-day. For straightforward purchases, it works brilliantly. Where PayPal Credit falls short, however, is in customer service — particularly when things go wrong. If you run into a dispute with a reseller or third-party seller, navigating the buyer protection process can be frustrating. Getting timely, helpful responses from the support team is harder than it should be, and resolving issues with resellers often feels like an uphill battle with limited advocacy on the customer's behalf. Overall, PayPal Credit is a solid product at a great price point, and for most users most of the time it delivers. But if you ever need hands-on help sorting out a problem, be prepared for some persistence. With improvements to customer service and stronger buyer support in dispute situations, this could easily be a five-star product. Reviewed on: 16th April 2026

It’s it’s easy to use

It’s very easy to use and with paypal you can often spread the cost of your purchases. I would recommend it. Reviewed on: 16th April 2026

Excellent

Faultless service and very convenient Reviewed on: 16th April 2026

Really im enjoying my paypal credit

Really im enjoying my paypal credit Reviewed on: 16th April 2026

Brilliant really great for purchases and keeping tra...

Brilliant really great for purchases and keeping track of spending Reviewed on: 16th April 2026

It's availability is convenient at most retailers,...

It's availability is convenient at most retailers, which can be handy when you would like a bit more flexibility on payment options Reviewed on: 16th April 2026

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