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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (130820 reviews)

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4.74

Based on 130,820 reviews, last reviewed 9th Jun 2026

3683600% increase in 5 star reviews

in the past 90 days

10600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Good easy to use quick payment Options to pay Good easy to use quick payment Options to pay Reviewed on: 9th June 2026

Latest lowest rating:

1

card refused abroad i went on holiday to Spain and tried to pay for my apartment with my card and it was declined, it was only £380, it was very embarrassing and so i a... Read more Reviewed on: 9th 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 (130820)

Fake 5* Reviews Are So Obvious

All these 5* reviews on here are so obviously fake and are put up by people who have never touched a PayPal card. Ignore those fake reviews and search for the true customer stories. Don't you just hate crooked companies who behave in this way? Reviewed on: 30th January 2023

Horrible experience

Even though the website I was using has PayPal credit, PayPal chose not to offer me my credit line to check out. I called a half dozen numbers, and spent days on chat, only to find out PayPal cant answer ANY questions about PayPal credit because they sold the company. The company they sold it to, Synchronicity, has the option to contact them by email, but you actually cant, it just runs you around in circles. Reviewed on: 10th December 2022

Junk

Seemed good at first. No way online to pay off individual special finance purchases..I you have more than 1. $978 worth of interest charged to my account in just 5 months. This is credit you will never get payed off if you can't pay it in full. Wouldn't recommend this to someone I hate! Big mistake on my part for signing up! Reviewed on: 5th December 2022

Amazing Section 75 Protection with PayPal Credit

I placed 2 claims in the last years, and they always refunded me also after 12 months of the purchase date. Strongly recommended Reviewed on: 3rd December 2022

Pleasing.

It gives peace of mind. I found it very pleasing and no pressure at all. I wholeheartedly recommend it to whoever may likewise be interested. Reviewed on: 25th November 2022

Very poor customer service, not willing to help, credit out to scam you

I have a PayPal credit account and the direct debit was linked with my bank account, for some reason (no one is Willing to own up) my transactions got cancelled and it affect my credit score which I lost 56 points on. Spoke to PayPal credit and they didn’t care and were not willing to help. Poor service, poor credit system. Reviewed on: 22nd November 2022

PayPal its number one

PayPal that's something I can recommend Reviewed on: 27th October 2022

Fast and easy

Good service easily available. Can easily check balance and payments on app. Reviewed on: 14th August 2022

He is a friendly and easy to use, especially with multiple websites

I’m using the service for last few year and it really easy to use and love how lot of online stores have PayPal embedded making it easier to use PayPal credit Reviewed on: 14th August 2022

Straight forward PayPal

I love the fact PayPal made any transactions so simple. Reviewed on: 14th August 2022

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