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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174266 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th July 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.

PayPal PayPal Credit reviews (174268)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Ianz review

Very easy to use. For an 80 year old this is very useful. Reviewed on: 7th July 2026

I've used PayPal for years.

I've used PayPal for years. More recently I've used the credit on offer which helps pay for items needed just before pau day. I can then pay off the credit on pay day. I don't have any other credit cards Reviewed on: 7th July 2026

Paypal a flexible user friendly payment option

I use Paypal as my main source of payment for services such as Ebay and Just eat. With it's flexible payment and installment payback options. It's a must whilst also offering user protection. Reviewed on: 7th July 2026

Always been happy with the service provided and back...

Always been happy with the service provided and back up if and when it’s needed Reviewed on: 7th July 2026

Helpful with financial stability

Helpful with financial stability Reviewed on: 7th July 2026

Four Years, Zero Headaches

Been on PayPal something like 4 years now. Mostly online shopping and splitting rent with my roommate. The thing that actually won me over was a refund fight last year. Bought a phone case, seller went silent, thing never showed up. Opened a dispute, chucked in a screenshot of the tracking page, had my cash back inside a week. Didn't have to call anyone or explain myself twice. App's pretty basic honestly. Check balance, send money, buy stuff, that's about it. Only real annoyance is the Friends and Family vs Goods and Services fee thing, my roommate got stung by that once because he picked the wrong button without realizing. Still the only payment app I don't have to think about. Just works. Reviewed on: 7th July 2026

very ptomp and hrlpful, great resolution tran

very ptomp and hrlpful, great resolution tran Reviewed on: 7th July 2026

Never had any issues, always respond if I need to co...

Never had any issues, always respond if I need to contact them. Reviewed on: 7th July 2026

Never had any bother !

Never had any bother ! peace of mind and allows for using it to pay for unexpected things life can throw your way ! Especially in the current climate ! It’s reassuring to have a source of payment you can spread over time Reviewed on: 7th July 2026

All good never had any problems the rewards you get...

All good never had any problems the rewards you get now are amazing well worth it all my spending is now done this way Reviewed on: 7th July 2026

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