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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176027 reviews)

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4.73

Based on 175,893 reviews, last reviewed 10th Jul 2026

1298% increase in 5 star reviews

in the past 90 days

1240% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is good and reliable and they act as professi... PayPal is good and reliable and they act as professionals they also serve customers in excellence and always standby to help in-terms of difficulty an... Read more Reviewed on: 10th July 2026

Latest lowest rating:

1

Shockingly bad..but they get away with it I have had reason to complain to the Financial Ombudsman regarding this company. Their attitude is we won't follow instructions and when things go wro... Read more Reviewed on: 10th 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 (176030)

Honestly been great so far , I used it for years now...

Honestly been great so far , I used it for years now and loving it Reviewed on: 7th July 2026

been a customer for years and they have been am...

Have been a customer for years and they have been amazing even when I needed a refund from a retailer who I was having difficulty with PayPal took over for me and got my money back quickly would highly recommend them and already have my best friend is now a customer Reviewed on: 7th July 2026

A fantastic service.

A fantastic service. Would recommend to everyone! Reviewed on: 7th July 2026

useful option

not too clear how works. but very handy to have option. Reviewed on: 7th July 2026

Good offers whenever I buy certain electronics, 0% i...

Good offers whenever I buy certain electronics, 0% interest over 12-24 months. Otherwise same as most credit lenders. The main issue I encountered with their credit line is that if I have bought something for £960 on 0% interest split over 24 monthly installments at £40/month, and some months later something else at their usual interest, whenever I make a larger payment than the monthly payment, for example £100, they'll not split the money as £40 for the monthly payment and £60 to cover the purchase I made at a later time, but they'll use the entire amount to cover the oldest purchase, in this case the one with 0% interest. So, in this way, they'll make more money. Same thing happened when I have had made a purchase in installments, with 0% interest, and the I made another purchase using their usual interest fee. When I cancelled the second purchase, they allocated the money to the first purchase instead of writing off the one I've cancelled. Reviewed on: 7th July 2026

Always easy to access and repay.

Always easy to access and repay. Whenever I’ve needed to contact PayPal found them helpful Reviewed on: 7th July 2026

Satisfied customer

As long as i have been using PayPal every time i have had a problem(which has'nt been very often )the problem has always been handled with efficiency and all the people i have spoken to are always curteous and very helpful. I think PayPal has great features such as pay in three or pay later .I will continue using PayPal as i have no complaints at all Reviewed on: 7th July 2026

PayPal is a reliable source

PayPal is a reliable source for me so it’s my go to with purchases Reviewed on: 7th July 2026

Flexible..

Easy to use, accepted everywhere and can also download card on Apple Pay Reviewed on: 7th July 2026

Online platform

Online platform is easy to use and setting up my monthly payments was easy to do Reviewed on: 7th July 2026

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