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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168198 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (168212)

Excellent service quick and efficient

Excellent service quick and efficient Reviewed on: 6th July 2026

I have for many years been a huge advocate of PayPal...

I have for many years been a huge advocate of PayPal for online purchases mainly through eBay, as a secure way of paying for goods, especially when seeders have less feedback so an unknowm, PayPal paired with eBay Buyer Confidence in recent years gave me the confidence that I was covered if a transaction didn't go right - Then, PayPal offered better crediiit terms to spread the cost of purchses beyond eBay, making budgeting a lot more manageable - Now, with the PayPal credit card, these favourable terms reach even further for anything I purchase with it, making purchasing anywhere an even more reassurring experience. Reviewed on: 6th July 2026

Easy to use, convenient and good value

Easy to use, convenient and good value Reviewed on: 6th July 2026

The PayPal Cashback Mastercard is a strong no annual...

The PayPal Cashback Mastercard is a strong no annual fee cashback card that works best if you use PayPal often, offering three percent cashback on PayPal checkout purchases and one point five percent on everything else, with rewards flowing directly into your PayPal balance and redeeming automatically without points to manage. It has some drawbacks, including no welcome bonus, no introductory zero percent APR, a three percent foreign transaction fee that makes it unsuitable for travel, and the requirement to have a PayPal account. Overall, it is a nice, simple, rewarding card for people who regularly use PayPal and prefer straightforward cashback, but if PayPal is not part of your daily spending, you will likely earn more with a general cashback card. Reviewed on: 6th July 2026

Really great and helpful in tight times

Really great and helpful in tight times Reviewed on: 6th July 2026

I will always use PayPal and PayPal credit if offered.

I will always use PayPal and PayPal credit if offered. Very easy and 0% interest always appealing. It makes it so easy to plan for large purchases and pay in time to budget better Reviewed on: 6th July 2026

Excellent communication from the beginning.

Excellent communication from the beginning. Explained everthing about the loan how it works. And payment details Reviewed on: 6th July 2026

Best credit provider

Easy to use App, access to my credit as and when needed. Easy statements to read. Conveniently accepted with most retailers. Love spreading payments over 3or4 with no interest Reviewed on: 6th July 2026

Flexible and easy to pay back with amounts that suit...

Flexible and easy to pay back with amounts that suit you. Reviewed on: 6th July 2026

PayPal credit helps me purchase the items I want

PayPal credit helps me purchase the items I want/need even if it’s not quite payday. It’s also great for those unexpected purchases that always seem to come at the wrong time. PayPal customer services have always been very helpful and professional. Reviewed on: 6th July 2026

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