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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 116,072 reviews, last reviewed 28th May 2026
3009300% increase in 5 star reviews
in the past 90 days
8800% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

friendly and understanding everytime i call or message them they always sort my query out right away, also friendly and understanding Reviewed on: 28th May 2026
marnie's avatar
marnie

Latest lowest rating:

1

Poor service. Avoid. I get fined for missing a payment. Why don't they remind me the day I need to make the payment (or the day before). I have contacted them about this b... Read more Reviewed on: 27th May 2026
Phil W's avatar
Phil W
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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 (116072)

Overall no issues.

5
Overall no issues. A little confusing when repaying the credit… by that I mean it doesn’t allow you to chose which credit you’d like to pay off first. Say I buy a car part for £250. And a few months later I buy another for £100. Rather than allowing me to chose to pay off the £250 off first it takes it out of the overall lump sum. Reviewed on: 12th May 2024
J's avatar
J

PayPal are always reliable and it’s very convenient...

5
PayPal are always reliable and it’s very convenient to check out with. They are my favourite lending platform. Reviewed on: 12th May 2024
Lamaiya S's avatar
Lamaiya S

Unauthorised payments

4
I think we should be notified of any changes for the new payment to the account like Adblock not been authorised by myself and you have paid them £9.95 Reviewed on: 12th May 2024
Raymond Waddilove's avatar
Raymond Waddilove

When problem sorted fast and easy to use

5
When problem sorted fast and easy to use Reviewed on: 12th May 2024
Craigbwrnby's avatar
Craigbwrnby

PayPal credit gives me the flexibility to spread my...

5
PayPal credit gives me the flexibility to spread my purchases over an extended period helping me budget for both small and large purchases. The dashboard is clear and let's me know when I will start paying interest and how I can avoid that if I wish. Reviewed on: 12th May 2024
Gordon 's avatar
Gordon

Incredible always

5
Incredible always. Simply to use it Reviewed on: 12th May 2024
Cristiano Lombardi's avatar
Cristiano Lombardi

Don’t understand customer service when ringing

5
Don’t understand customer service when ringing Reviewed on: 12th May 2024
Tim M's avatar
Tim M

My only complaint would be there sometimes seems to...

5
My only complaint would be there sometimes seems to be a delay in payments being reflected in balance Reviewed on: 12th May 2024
Caroline Q's avatar
Caroline Q

NO COMPLAINTS AT ALL

5
NEVER had a single complaint or niggle. Brilliant Reviewed on: 12th May 2024
Steve Wilson's avatar
Steve Wilson

Simple and Protected

5
Very good and Efficient. Money feels protected and safe. Money easy to manage Reviewed on: 12th May 2024
Mike's avatar
Mike

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