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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174222 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174223)

Good service

Always had good service, works well when managing budgets. Reviewed on: 29th May 2024

Always used pay pal!

Always used pay pal!!! Fast and safe way to but item or loan money!!! Reviewed on: 29th May 2024

Good start giving hus good chance

Good start giving good opportunities Reviewed on: 29th May 2024

Never had an issue using PayPal, finance plans are easy

Never had an issue using PayPal, finance plans are easy Reviewed on: 29th May 2024

It's been a god send and really helped me out for fo...

It's been a god send and really helped me out for food shopping for my family when I didn't have the money Reviewed on: 29th May 2024

PayPal credit has been my preferred credit choice si...

PayPal credit has been my preferred credit choice since I signed up to it. it’s so easy to use from making payments to paying what I owe. Love it! Reviewed on: 29th May 2024

Unprofessional

The frontline chat agents are unprofessional and lack proper training in regulatory matters, including GDPR regulations. They seem to be unaware of the ICO and FCA and their respective roles. Additionally, they do not provide accurate or helpful information, often failing to address customer concerns adequately. Their responses are frequently dismissive, and they close tickets without resolution, further complicating the issues at hand. This reflects poorly on the overall customer service experience and raises significant concerns about compliance with legal standards. Reviewed on: 29th May 2024

Excellent experience with PayPal - smooth and easy

Excellent experience with PayPal - smooth and easy Reviewed on: 29th May 2024

Love it for online credit purchases

Excellent online credit app. However I sometime feed a need for a physical card to use it in the store. Reviewed on: 29th May 2024

The best credit provider for my shopping.

The best credit provider for my shopping. Reviewed on: 29th May 2024

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