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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (177131 reviews)

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4.73

Based on 177,088 reviews, last reviewed 11th Jul 2026

1233% increase in 5 star reviews

in the past 90 days

1072% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good costumer service. Very good costumer service. Good value of money, giving 0% for four months it’s so helpful Reviewed on: 11th July 2026

Latest lowest rating:

1

Terrible could not use and nothing would authorise Terrible could not use and nothing would authorise Reviewed on: 11th 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 (177143)

Great short-term credit option

Great short-term credit option for small retail purchases. The app is easy to use and the claims process is straight forward, if required. I joined PayPal credit quite a few years ago, and they appear to grant credit on good terms. The APR is high, but fits its purpose well. Reviewed on: 7th July 2026

PayPal is easy to use, very obvious what your paying...

PayPal is easy to use, very obvious what your paying, never any hidden charges, yhe pay in 3 service has let me buy things I would otherwise be unable to afford, there customer service is 10/10. I would recommend PayPal to everyone. Reviewed on: 7th July 2026

i am happy and good with paypal as a long time custo...

i am happy and good with paypal as a long time customer. Reviewed on: 7th July 2026

Very poor customer service just when you need it

Very confusing information on transactions on 4 months interest free basis as opposed to standard transactions. Webchat was a disaster as AI bot never answered my questions and just kept repeating the same mantra. Tried calling a human but the process was so complicated on ID etc that I just gave up Reviewed on: 7th July 2026

A strong backbone.

Never had a problem with Paypal availability and easy user journey. When other payment methods have failed Paypal has always been there as an option. I have used them for years and they are the most trustworthy. Reviewed on: 7th July 2026

Customer Services always do their best to help

Customer Services always do their best to help Reviewed on: 7th July 2026

Over the years payday has become my save place, I pa...

Over the years payday has become my save place, I pay back with no stress and very little interest. Reviewed on: 7th July 2026

Trust more than a credit card

Always use it to spread a large purchase instead of using a credit card as I use PayPal for near enough all my online payments as it’s trusted Reviewed on: 7th July 2026

Excellent all round service and reasonable charges d...

Excellent all round service and reasonable charges definitely continue using Reviewed on: 7th July 2026

Could add to my wallet and also use in Europe.

Could add to my wallet and also use in Europe. Enjoying the service Reviewed on: 7th July 2026

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