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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148014 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148014)

Straightforward access, good amount of options, real...

Straightforward access, good amount of options, really good offers when you can get 4 months to pay something off with no interest Reviewed on: 1st July 2026

I was using PayPal for more than 15 years it’s so an...

I was using PayPal for more than 15 years it’s so annoying Reviewed on: 1st July 2026

I have wonderful experience with PayPal I had a prob...

I have wonderful experience with PayPal I had a problem and they sorted it out so professional Reviewed on: 1st July 2026

Superb service for several reasons.

Superb service for several reasons. PayPal is extremely safe banking and always very helpful in resolving disputes e.g. non delivery of goods, refunds etc. PayPal is very secure and trustworthy. Reviewed on: 1st July 2026

I use pay in 3 excellent service, and it saves you o...

I use pay in 3 excellent service, and it saves you of handing out your money in one go. Reviewed on: 1st July 2026

Easy and efficient

Easy and efficient, well accounted for payments and receipts. Professional support is provided when necessary. I am happy with this service. Reviewed on: 1st July 2026

Very easy setup

It was very easy to set up credit for my holiday for me and my family. The flexibility with repayments alongside the interest free period have meant we can go away next year Reviewed on: 1st July 2026

Really easy to use

Really easy to use, great offers (0% over 4 months etc) and the dispute interface is brilliant. Reviewed on: 1st July 2026

I am very happy to be a PayPal customer.

I am very happy to be a PayPal customer. It is great and reliable. Easy to use. The customer service is amazing. Reviewed on: 1st July 2026

Fast convenience when purchasing

I have been using PayPal credit for a number of years now without issue. I have had to ring customer services perhaps once since i signed up a number of year's ago to make sure payment was going to be made by myself on time in order to meet the 0 percent 4 month limit deadline. I was delt with complete professionalism over the phone by the customer service operator. PayPal credit gives your bank balance breathing room allowing you a disaplined payment plan with suits my needs. Also the purchasing side of things is made really easy when purchasing online, offering you full tracking details that marry up with most 3rd party websites. Reviewed on: 1st July 2026

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