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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (137034 reviews)

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4.73

Based on 137,034 reviews, last reviewed 12th Jun 2026

3966250% increase in 5 star reviews

in the past 90 days

11050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal review Very easy to use and help is readily available if needed. Reviewed on: 12th June 2026

Latest lowest rating:

2

Very disappointed about link bank account and trying... Very disappointed about link bank account and trying to pay my finance bill through PayPal the direct debit never works making me pay extra because it... Read more Reviewed on: 12th June 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 (137034)

Quick and Simple

Very easy system , nice and simple , self explanatory Reviewed on: 27th May 2024

Question of ethics

Probably as ethical as a money lender can be. I would maybe set more prompts to remind of payments to avoid fees but to be honest they are better than a lot of other providers already. Only downside is you are unable to reduce your borrowing limit or close the credit account with closing your entire account(unless I am not seeing the close credit option). I’m sure this may have put people in precarious situations. Reviewed on: 27th May 2024

Excellent customer service

Excellent customer service. They were happy to help and quickly resolved an issue I had. Reviewed on: 27th May 2024

Easy to use .

Easy to use . Good value if you make the payments and safe to use . It makes paying for larger purchases so much easier . Really recommend PayPal Credit Reviewed on: 27th May 2024

Great service.

3 months free credit on purchases over £100. Protects you at every stage. Easy to manage with the same paypal app. Only down side is not being able to use it in shops. There are options for that if you link to another service, but there is a charge for that. So i will stick with using it for online shopping only. Apart from that, perfect service. Reviewed on: 27th May 2024

Convenient and Reliable Credit Option

I've been using PayPal Credit for several months now, and it has become an invaluable part of my financial toolkit. The application process was straightforward and quick, and I was able to start using my credit line immediately. The flexibility it offers for online purchases is fantastic, especially for unexpected expenses or larger purchases I need to spread out over time. One of the standout features is the promotional financing options, which often allow for interest-free periods if the balance is paid off within a certain timeframe. This has saved me money and made it easier to manage my budget. Additionally, integrating PayPal Credit with my existing PayPal account was seamless, making it extremely convenient to use at a wide range of merchants. Overall, PayPal Credit has provided a reliable and user-friendly credit solution that I would highly recommend to anyone looking for a flexible and trustworthy credit option. Reviewed on: 27th May 2024

Fast, convenient and efficient.

Fast, convenient and efficient. PayPal is my go to to send and receive money quickly between friends, vendors and bigger businesses. 4 months interest free is a super way to make your money go a little further too on credit purchases. Reviewed on: 27th May 2024

Paypal is the best.

Paypal is the best. I'm using it all the time Reviewed on: 27th May 2024

Great for saving with early plane tickets

I bought 3 planets tickets to Japan using this and paid it off interest free over a few months. This helped me save a lot of money in flight costs. The only downsides I experienced were with a friend canceling and getting partially refunded. The amount appeared in my credit as a negative balance but I had to contact support to get it withdrawn to my wallet. Reviewed on: 27th May 2024

Really good.

Really good. Easy to use I use PayPal credit and it works for me Reviewed on: 27th May 2024

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PayPal: PayPal Credit reviews

3966250% increase in 5 star reviews

11050% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

2

About this product

Review PayPal: PayPal Credit now

PayPal PayPal Credit reviews (137034)

Quick and Simple

Question of ethics

Excellent customer service

Easy to use .

Great service.

Convenient and Reliable Credit Option

Fast, convenient and efficient.

Paypal is the best.

Great for saving with early plane tickets

Really good.

Review PayPal: PayPal Credit now

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