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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (169432 reviews)

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4.73

Based on 169,432 reviews, last reviewed 8th Jul 2026

1457% increase in 5 star reviews

in the past 90 days

1495% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great process very transparent, great customer service Great process very transparent, great customer service Reviewed on: 8th July 2026

Latest lowest rating:

1

I don't trust PayPal anymore they closed a dispute w... I don't trust PayPal anymore they closed a dispute with out professionalism and didn't want to know about my evidence which I have been scammed Reviewed on: 8th 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 (169526)

first credit account/credit payment method

As my owe first credit account/ credit payment method, PayPal allows me to own this credit account to have longer time to pay for seasonal purchase. I give 4 stars is because I wish to have a virtual card so I could really use it for daily purchase to increase my credit score. Reviewed on: 31st May 2023

Great credit limit and customer service is super!

Great credit limit and customer service is super! Reviewed on: 10th April 2023

Very good

I like it because I was granted this financing of up to 1000 pounds and you can buy anything. The best obtainment Reviewed on: 3rd April 2023

[email protected]

Credit information main money Reviewed on: 3rd April 2023

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

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