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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (143045 reviews)

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4.73

Based on 143,045 reviews, last reviewed 20th Jun 2026

4239600% increase in 5 star reviews

in the past 90 days

12150% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Good customer service, great experience Good customer service, great experience Reviewed on: 20th June 2026

Latest lowest rating:

1

You're better off getting a Money transfer elsewhere! PayPal takes way too long to update accurately the payments made to PayPal credit. This is ridiculous. will not use PayPal Credit again, better off ge... Read more Reviewed on: 19th 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 (143045)

PayPal has basically had a proper glow-up.

PayPal has basically had a proper glow-up. It’s gone from being that slightly clunky “do I trust this?” website to the financial equivalent of a reliable mate who always spots you when you’re short. Sending money is ridiculously easy now. No awkward “what’s your sort code again?” conversations—just tap a name in your contacts and boom, done. Ideal for splitting bills, paying someone back, or that moment you realise you definitely still owe your friend from three weekends ago. It’s not just for personal stuff either—it’s solid for business. You see the PayPal option at checkout and instantly feel a bit safer, like “yeah alright, I trust this.” Plus, you can actually keep track of subscriptions and cancel them without going on a full detective mission, which is a win in itself. They’ve also added things like paying over time and cashback, which makes you feel slightly less guilty about impulse buys. Slightly. Security-wise, it’s a bit of a comfort blanket. If you’re buying from some random small website at 11pm, PayPal makes it feel less like a gamble. And now there’s even a physical card, which is handy when you want that extra layer between your bank account and the unknown corners of the internet (or that one questionable shop abroad). And if something does go wrong, their resolution centre is actually useful. Not “shout into the void” customer service—more like “okay, a real solution might happen here.” All in all, PayPal’s grown up nicely. Easy to use, surprisingly flexible, and just makes dealing with money feel a bit less painful—and occasionally even a bit clever. Reviewed on: 15th April 2026

Excellent Service

Excellent interface. Easy to understand and clear interface Reviewed on: 15th April 2026

Karol Arazny

Always easy to buy things / no spending whole amount / great for everyone Reviewed on: 15th April 2026

Very helpful tool that allows you to split into affo...

Very helpful tool that allows you to split into affordable monthly payments Reviewed on: 15th April 2026

I am using whole days is it is best for daily uses t...

I am using whole days is it is best for daily uses to buy for any product. Reviewed on: 15th April 2026

Great service and convenient .

Great service and convenient . Hassle free Reviewed on: 15th April 2026

Great service

I have used PayPal for many years now never a complaint. I’m not completely sold on the use of chat bots rather than an actual advisor as you don’t get issues resolved. Reviewed on: 15th April 2026

Just had good experience with paypall as im using cr...

Just had good experience with paypall as im using credit for 6 month intrest free Reviewed on: 15th April 2026

Came in handy recently!

Came in handy recently! Easy to use Reviewed on: 15th April 2026

No headaches, easy to work with.

No headaches, easy to work with. Maybe an option to complete a payment, avoiding fees without filling the whole sum on credit, would be a better advantage for those who are using it. The card is a nice add-on, but not a must. Reviewed on: 15th April 2026

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