Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (165301 reviews)

View other PayPal products

4.73

Based on 163,505 reviews, last reviewed 7th Jul 2026

1506% increase in 5 star reviews

in the past 90 days

1583% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Happy Customer I am a PayPal customer for many years. I am perfectly happy with their products and services. Reviewed on: 7th July 2026

Latest lowest rating:

1

it is very bad provider and very bad costumer servic... it is very bad provider and very bad costumer service, even very hard to reach customer services. when you reach the costumer services, they will leav... Read more Reviewed on: 7th July 2026

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (165302)

Good.....

Nežinau kaip cia viskas veikia. Reviewed on: 20th March 2023

Useful credit to have but be careful

I never pay interest on credit cards, always pay in full and with PayPal it's nice to spread your purchase a bit without paying. However about a year ago because of PayPal's own timelines on moving money I had to pay very little interest (1 pound), I called them about it and they said it's due to how the money is being charged but not because I didn't pay on time. Seemed a bit arbitrary. So basically be careful and read the terms and conditions. Being fair to them the team did explain it to me very patiently a couple of times. But I stopped using PayPal credit after that. Reviewed on: 10th March 2023

Fake 5* Reviews Are So Obvious

All these 5* reviews on here are so obviously fake and are put up by people who have never touched a PayPal card. Ignore those fake reviews and search for the true customer stories. Don't you just hate crooked companies who behave in this way? Reviewed on: 30th January 2023

Horrible experience

Even though the website I was using has PayPal credit, PayPal chose not to offer me my credit line to check out. I called a half dozen numbers, and spent days on chat, only to find out PayPal cant answer ANY questions about PayPal credit because they sold the company. The company they sold it to, Synchronicity, has the option to contact them by email, but you actually cant, it just runs you around in circles. Reviewed on: 10th December 2022

Junk

Seemed good at first. No way online to pay off individual special finance purchases..I you have more than 1. $978 worth of interest charged to my account in just 5 months. This is credit you will never get payed off if you can't pay it in full. Wouldn't recommend this to someone I hate! Big mistake on my part for signing up! Reviewed on: 5th December 2022

Amazing Section 75 Protection with PayPal Credit

I placed 2 claims in the last years, and they always refunded me also after 12 months of the purchase date. Strongly recommended Reviewed on: 3rd December 2022

Pleasing.

It gives peace of mind. I found it very pleasing and no pressure at all. I wholeheartedly recommend it to whoever may likewise be interested. Reviewed on: 25th November 2022

Very poor customer service, not willing to help, credit out to scam you

I have a PayPal credit account and the direct debit was linked with my bank account, for some reason (no one is Willing to own up) my transactions got cancelled and it affect my credit score which I lost 56 points on. Spoke to PayPal credit and they didn’t care and were not willing to help. Poor service, poor credit system. Reviewed on: 22nd November 2022

PayPal its number one

PayPal that's something I can recommend Reviewed on: 27th October 2022

Fast and easy

Good service easily available. Can easily check balance and payments on app. Reviewed on: 14th August 2022

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 81332 reviews
Payments
from PayPal 4.70 from 3773 reviews
Credit card
from PayPal 4.70 from 112 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub