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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 131,604 reviews, last reviewed 9th Jun 2026
3719450% increase in 5 star reviews
in the past 90 days
10600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Brilliant! Brilliant! I needed a new tumble drier but was low on funds for a big purchase and PayPal credit helped me pay for my item and I had to pay it back ov... Read more Reviewed on: 9th June 2026
Katie H's avatar
Katie H

Latest lowest rating:

1

The service is very poor and their customer service... The service is very poor and their customer service don’t even understand how to help. I called three different times but they could not help resolve ... Read more Reviewed on: 9th June 2026
Azeez S's avatar
Azeez S
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (131604)

Customer service

4
They aren't as good as they were a couple of years ago. Reviewed on: 17th May 2024
Sue's avatar
Sue

excellent

5
Excellent service as my experience with PayPal for a decade, I never had issue, everything has managed properly and efficiently. Reviewed on: 17th May 2024
Sean R's avatar
Sean R

It is easy to apply and use.

4
It is easy to apply and use. The balance on the app always states clearly which amount comes under which interest free period. However, I have 2 caveats. Firstly, it took me a while to find out the exact conditions on what happens when there is a balance left to repay at the end of the interest free period. Whether the original whole amount incurs interest or only the remaining amount. I only found the information after googling. Secondly, when repaying PayPal Credit, it takes far too long until the money is credited to the account. In today’s age, when I can transfer money between banks within seconds, it shouldn’t take roughly a week for this to happen. Reviewed on: 17th May 2024
Torsten Weser's avatar
Torsten Weser

Just Brilliant they can’t do enough for you

5
Just Brilliant they can’t do enough for you Reviewed on: 17th May 2024
Martyn A's avatar
Martyn A

Always there when needed, fast and easy transactions

5
Always there when needed, fast and easy transactions Reviewed on: 17th May 2024
Yanko N's avatar
Yanko N

Trustworthy.

5
Trustworthy. Reliable, straightforward, Reviewed on: 17th May 2024
Eun G's avatar
Eun G

Always ready with new ideas.

5
Always ready with new ideas. The pay in three is excellent use it when I can Reviewed on: 17th May 2024
Michael Tapping's avatar
Michael Tapping

Easy to use tool for payments and easy to manage

5
Easy to use tool for payments and easy to manage Reviewed on: 17th May 2024
Joanna C's avatar
Joanna C

I love the pay pal pay in 3 and also credit is very...

5
I love the pay pal pay in 3 and also credit is very useful but addictive Reviewed on: 17th May 2024
Tamman's avatar
Tamman

Best customer service by a mile!

5
Customer service always at the ready to help any time any day :) Reviewed on: 17th May 2024
Asha's avatar
Asha

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