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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (135541 reviews)

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4.73

Based on 135,541 reviews, last reviewed 11th Jun 2026

3897950% increase in 5 star reviews

in the past 90 days

10850% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use, hard to use for customer service though... Easy to use, hard to use for customer service though Reviewed on: 11th June 2026

Latest lowest rating:

1

Tried to use my PayPal credit card twice on both occ... Tried to use my PayPal credit card twice on both occasions the card was not accepted. Reviewed on: 11th 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 (135541)

Great credit service

I love the 3-month interest-free service for purchases and paying a purchase in 3 instalments. Reviewed on: 8th July 2022

Better than others...

Better than others because I get 4 months (and sometimes more, depending on the retailer offer) interest free. Reviewed on: 8th July 2022

Great service all the time

Paypal makes it so easy to pay for purchases. I love that you can spread larger purchases over time and also the buyers protection. Great service Reviewed on: 8th July 2022

Accepted for once :)

I'm happy with PayPal Credit as one of the few lenders that would actually accept me. It has really helped me with larger purchases I can't afford outright due to being on a low NHS wage. Reviewed on: 8th July 2022

Easy to use and excellent features

Paypal credit is easy to use and very clear on the terms and conditions. This makes it easy to stay in control of my finances when I might need a little help with a purchase. Reviewed on: 8th July 2022

Excellent credit facility

Paypal credit always comes in handy, with reasonable APR rates. Customer service when you need them is first class! Reviewed on: 8th July 2022

Excellent service

PayPal credit has come in handy and the service you get is amazing, would highly recommend Reviewed on: 8th July 2022

This is amazing!

I love shoping with paypal credit, the best ever! Reviewed on: 8th July 2022

The best

Pay in 3 provides flexibility and I love how I can plan my finances Reviewed on: 8th July 2022

Bog Standard -

PayPal credit is a big standard “credit card” It’s works how it should , you’re given X credit limit and you can use it: The problem is there is virtually no customer service with this product. Whilst it works like a credit card , the behind the scenes stuff is poor, from not being helpful on charge backs, not being able to request a larger credit limit and almost no information on it. It’s clear to me that PayPal is a payment provider that just so happens to provide credit . It’s supplemental to their main income and they treat it as such. It’s a side project for them. Don’t expect professional informative information Reviewed on: 8th July 2022

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