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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 108,478 reviews, last reviewed 16th May 2026
2657750% increase in 5 star reviews
in the past 90 days
7700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I’ve used PayPal for 20 years and it just makes onli... I’ve used PayPal for 20 years and it just makes online shopping effortless. I’ve never had an issue in all that time Reviewed on: 16th May 2026
Alistair C's avatar
Alistair C

Latest lowest rating:

1

Terrible app interaction Terrible app interaction not for me Reviewed on: 16th May 2026
Jamie P's avatar
Jamie P
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (108478)

Trust PayPal with all my online purchases, they have...

5
Trust PayPal with all my online purchases, they have always excelled in supporting and helping me with any issues. Easy to contact and communication is always clear and informative. They have rewards and offers for customers that are actually worthwhile. Very highly recommended them Reviewed on: 14th May 2026
Michaela J's avatar
Michaela J

Fast efficient and good customer relationship.

5
Fast efficient and good customer relationship. Very reliable Reviewed on: 14th May 2026
Oluwafemi 's avatar
Oluwafemi

Watch out for hidden credit

1
I bought a product from eBay with Paypal. The transaction was automatically put onto my PayPal credit balance that was previously at zero. I think it may have been a temporary Comms issue to my bank. PayPal only informed me of of the money I owed when there was interest to pay. No way of cancelling the PayPal credit account to be found. Only keep it if no other way to pay. Reviewed on: 14th May 2026
Andrew White's avatar
Andrew White

Got a refund quickly when never received item I boug...

5
Got a refund quickly when never received item I bought no hassle Reviewed on: 14th May 2026
Stuart F's avatar
Stuart F

Direct debit fails sometimes never know why as alway...

5
Direct debit fails sometimes never know why as always hzve money in accounts so has put to failed payments on my credit report in last 2 years as payments werent took other thsn that its ok Reviewed on: 14th May 2026
Mikek's avatar
Mikek

My experiences have been generally good

4
My experiences have been generally good, particularly once when I had an issue customer service were really helpful. I do think comms could be better, and as with most credit lending interest rates are a little high. But it has helped me in a pinch many times. Always read small print and proceed with caution. Reviewed on: 14th May 2026
CazB's avatar
CazB

Easy to use , good customer service

5
Easy to use , good customer service Reviewed on: 14th May 2026
Moin Chowdhury's avatar
Moin Chowdhury

Give all credit to PayPal credit!

5
Very easy to use, offering a good amount of credit, really easy to pay with and really easy options to pay off your account with being able to set up direct debits.Paypal pay in 3 is also a great option for payment as well. Reviewed on: 14th May 2026
Andy Sandford's avatar
Andy Sandford

Very happy with pay PayPal nothing to worry about.

5
Very happy with pay PayPal nothing to worry about. Safe and trusted app and services Reviewed on: 14th May 2026
Entesar E's avatar
Entesar E

PayPal has helped me immensely with cost of living.

5
PayPal has helped me immensely with cost of living. The 0% finance is brilliant with big purchases and I accrued enough points to buy something outright. Reviewed on: 14th May 2026
La Dale 's avatar
La Dale

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