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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181001 reviews)

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4.73

Based on 181,001 reviews, last reviewed 22nd Jul 2026

207% increase in 5 star reviews

in the past 90 days

257% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPalplus is amazing Ease of use and the PayPal+ really makes it worth having. It’s paid for a good few small purchases of eBay and feel like am getting something back. Reviewed on: 22nd July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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.

PayPal PayPal Credit reviews (181001)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

I am very happy from pay pal service

I am very happy from pay pal service Reviewed on: 7th July 2026

Feel secure and trust PayPal to handle my transaction

Feel secure and trust PayPal to handle my transaction Reviewed on: 7th July 2026

Very friendly customer service.

Very friendly customer service. They have given good credit payment plan unrest ofree Reviewed on: 7th July 2026

Very good.

Very good. Always fast service and feels secure Reviewed on: 7th July 2026

Excellent service

Very easy to use. No issues. Whenever i’ve had the need to call customer service, they’ve always sorted my issues Reviewed on: 7th July 2026

It’s really easy to use and 4 months interest...

It’s really easy to use and 4 months interest free Reviewed on: 7th July 2026

Flexible when I needed it most

I've used PayPal Credit for a couple of years now, mainly for bigger purchases like music equipment. The 0% interest on purchases over £99 for 4 months has genuinely saved me money. I've bought multiple items and spread the cost without paying a penny extra, which as a freelancer with irregular income was a lifesaver. What I rate most is how seamless it is. It sits inside my existing PayPal account, so there's no separate card to manage, and checkout takes seconds. The app makes it easy to see exactly what's owed and when the promotional period ends, so no nasty surprises. If I'm being picky, I'd like clearer reminders before a 0% period expires, as the standard interest rate is steep if you're not on top of it. But used sensibly, it's one of the most flexible credit options I've had. Reviewed on: 7th July 2026

Great buyer protection

My partner purchased a fan using PayPal, which was advertised as being of great design and quality and turned out to be a faulty, cheaply made and completely inefficient product. When he tried to contact the seller, it turned out that the contact details were not accurate and that sending the item back and getting a refund would be extremely difficult. He opened a case with PayPal and the matter was settled within minutes and he received a full refund straight away. This would have been impossible had he used a different payment option. Reviewed on: 7th July 2026

So I’m being charged for something that I have no id...

So I’m being charged for something that I have no idea what for, I haven’t signed up for anything, spoke to 3 people but to no avail, am still being charged, so frustrating Reviewed on: 7th July 2026

Always liked the pay in 3 and occasionally the pay i...

Always liked the pay in 3 and occasionally the pay in 4 interest free. Reviewed on: 7th July 2026

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