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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146999 reviews)

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4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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.

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PayPal PayPal Credit reviews (146999)

Hassle free service

Hassle free service. Convenient to manage and clear view of payments. Easy to keep on track of outgoings and instalments. Reviewed on: 29th June 2026

Generally ok, but issue with chargeback claims appeals.

Generally ok, but there was a issue I had with Paypal claim on a chargeback where I was denied even after providing ample evidence of denial of service with an online service provider. If I had used a different credit card provider, I am sure that the claim wouldve have been accepted in my favor. Reviewed on: 29th June 2026

Great for new home

Been a great way yo be able to get what I needed for my new house and be able to split the payment, meaning all items could be bought at once making my home better Reviewed on: 29th June 2026

Super alternative payment option

Really easy to use and provides a real alternative when paying for goods and services. The grievance procedure again is easy to use and works well Reviewed on: 29th June 2026

I have never had the need to call customer services.

I have never had the need to call customer services. Everything I need is in the App. The App is easy to use and navigate and extremely helpful. PayPal pay in 3 is a very good tool to help balance your finances when making larger purchases online. Reviewed on: 29th June 2026

Reliable for daily use

I have used PayPal for years for online shopping and sending money to friends. The integration with most retail sites makes checkout incredibly fast and secure, which is its biggest strength. The app layout is clean and tracking transactions is straightforward. My only real issue has been when a dispute arises; reaching a human in customer service can take some time, and the resolution process feels automated. Overall, it's a staple tool for digital payments, but the support system could be more responsive. Reviewed on: 29th June 2026

great overall service from start

great overall service from start Reviewed on: 29th June 2026

A good review is informative, honest and detailed.

A good review is informative, honest and detailed. Here are a few tips for writing a review: Reviewed on: 29th June 2026

Paypal never disappoints, every time you need some h...

Paypal never disappoints, every time you need some help paypal is always here to help you. It’s credit and debit card is worth using. Reviewed on: 29th June 2026

My Positive Experience Using PayPal Credit

Using PayPal Credit has been a smooth and convenient experience. It allows me to make purchases quickly and pay over time, making it easier to manage my budget. The payment process is straightforward, the account is easy to monitor, and I appreciate the flexibility and security it provides for online shopping.. Reviewed on: 29th June 2026

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