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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145328 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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.

PayPal PayPal Credit reviews (145328)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Very easy to use online

Very useful to be able to use easily online and keep track of purchases and the total balance. Also easy to dispute transactions and differentiate purchases made on promotional rates (e.g. no interest for 4 months). One negative is it takes a long time for the direct debit to be processed (might be my bank but I don't have this issue with others) Reviewed on: 25th June 2026

Great at offering service, customer service is also...

Great at offering service, customer service is also very good especially when opening a dispute Reviewed on: 25th June 2026

Easy to use, always clear on cost and terms.

Easy to use, always clear on cost and terms. Different credit options for various transactions make it simple to pick the best deal Reviewed on: 25th June 2026

Always works well.

Always works well. it is an excellent way to spread the cost of purchases. Reviewed on: 25th June 2026

Freedom and protection

PayPal credit allows me to have a little bit more freedom with money but not worry too much about it being so much of a credit card. With also the added protection of knowing PayPal protects your details at all costs. I would 100% recommend. Reviewed on: 25th June 2026

Used for a few years very handy at times

Used for a few years very handy at times Reviewed on: 25th June 2026

PayPal Services Appraisal

Each and every time it has been excellent as well as on top of the game with upgrades as changes. Reviewed on: 25th June 2026

Easy to setup, and simple to use.

Easy to setup, and simple to use. Super simple integration into existing paypal products and offers simple ways to monitor transactions and balance and also to make repayments. The app lets me know what is outstanding payments there are so i'm always informed. Reviewed on: 25th June 2026

Easy to use, good interest rate, a very convenient t...

Easy to use, good interest rate, a very convenient tool for those important purchases when your available funds are temporarily low. Reviewed on: 25th June 2026

Always helpful with any problems

Always helpful with any problems Reviewed on: 25th June 2026

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