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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181150 reviews)

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4.73

Based on 181,150 reviews, last reviewed 17th Sep 2026

59% decrease in 5 star reviews

in the past 90 days

45% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Amazing!!! Just really easy to use and great company Reviewed on: 17th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181150)

Makes life easier

Easy and secure spending.. great peace of mind Reviewed on: 16th April 2026

Never had a problem.

Never had a problem. I use PayPal credit consistently as an online payment method and find it is swift efficient and convenient. Reviewed on: 16th April 2026

Absolutely hassle free now for years.

Absolutely hassle free now for years. Love the flexibility of multi currency and withdrawals always land instantly which is fantastic Reviewed on: 16th April 2026

Breaching FCA rules to force interest charges

PayPal is refusing to honor my legal right of appropriation under FCA CONC 6.4.2. I have provided funds and clear instructions to settle a 0% promotional balance before the end of April expiry. Instead, PayPal is misallocating my money to other balances against my will, seemingly to ensure the 0% deal expires so they can charge interest. Customer service has hit a brick wall and refuses to manually intervene. I have a formal complaint open and will be heading to the Financial Ombudsman. Predatory and unlawful. Reviewed on: 16th April 2026

Really good to know about the payment y

Really good to know about the payment y Reviewed on: 16th April 2026

Swift and easy to use over the last 20 years

Swift and easy to use over the last 20 years Reviewed on: 16th April 2026

I really can't complain about the services provided.

I really can't complain about the services provided. Reviewed on: 16th April 2026

PayPal user for over 10 years

Used PayPal for over 10 years for various purchases and have never had an issue 10/10 highly recommended for anyone wanting hassle free safe buying power and there pay in 3 is a life saver to not break the bank in one hit Reviewed on: 16th April 2026

paypal is a convenient way to pay when shopping online.

paypal is a convenient way to pay when shopping online.paypal credit is also convenient if you want to get something but waiting till next payday. Reviewed on: 16th April 2026

Easy to use

I’ve been using PayPal Credit for a while now, and overall it’s a convenient option for managing purchases and spreading payments. The application process was straightforward, and it integrates seamlessly with regular PayPal transactions, which makes checkout quick and easy. Reviewed on: 16th April 2026

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