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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (177745 reviews)

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4.73

Based on 177,405 reviews, last reviewed 12th Jul 2026

1211% increase in 5 star reviews

in the past 90 days

994% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great money service Never had any problems , very easy quick way to send, receive or transfer money. Reviewed on: 12th July 2026

Latest lowest rating:

1

Paypale is not like old paypal anymore. Paypale is not like old paypal anymore. They never refund me for scams or protect me against any fraud like it used to do Reviewed on: 12th 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 (177745)

Seamless service from start to finish.

Its a seamless service from start to finish. Any issues are efficiently and effectively dealt with. Communication is excellent. Reviewed on: 7th July 2026

Whenever dealing with any finance, PayPal have helpe...

Whenever dealing with any finance, PayPal have helped us deal with it very efficiently Reviewed on: 7th July 2026

Very clear breakdown, customer service very good.

Very clear breakdown, customer service very good. Never had a problem that hasn’t been addressed and resolved. Reviewed on: 7th July 2026

Easy way to securely pay for goods and services.

Easy way to securely pay for goods and services. Reviewed on: 7th July 2026

Encountered issues

Any issues I have had which I cannot solved through the menus, have been quickly remedied by a phone call. Reviewed on: 7th July 2026

Reliable Fast easy to set use.

Reliable Fast easy to set use. Easy to use to Reviewed on: 7th July 2026

PayPal credit has been great when I’ve needed to mak...

PayPal credit has been great when I’ve needed to make a purchase but don’t have immediate funds. It’s easy to use and easy to pay off. Reviewed on: 7th July 2026

Perfect rainy day saver

Great for when you need a bit of help on a rainy day Reviewed on: 7th July 2026

PayPal Credit Simple To Use A Welcome Utility

PayPal Credit is very simple to use and a welcome utility to have when. Reviewed on: 7th July 2026

Completely Unintuitive and Inaacurate Credit

I couldn't be more disappointed with the PayPal service. Payments take days to clear and show on your account. Making additional payments leaves you wondering when the payment you have made will clear your account both with your bank, and reflecting in your PayPal balance. I expect with modern banking, the maximum amount of time a transaction should take to reflect in your balance is 24 hours. This makes PayPal really challenging to manage if you want to keep accurate accounts, without having to use third-party software and records. All this, means that it can be easy to inadvertently pay more or less than you were expecting, I did this and paid more on a promotional offer where funds are interest free over 24 month. Currently the actual balance left on this is £280.68, however the summary says '24 installments - 9 left of £40.42 (which is £363.78). However, my current PayPal balance is £240.26. So I have 3 different total balances on one screen. The only reason I haven't scored PayPal as 1 out of 5 across the board, is they're available on most platforms. I'd clear it off, however I'm waiting to see what happens when the current balance of £240.26 is reached, will they keep taking up to the £280.68 or keep going to the £363.78? All in all, it's just a mess of a service. Reviewed on: 7th July 2026

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