Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181154)

PayPal credit is available at so many places

PayPal credit is available at so many places that it’s the obvious choice for payment. It’s so simple to buy stuff with PayPal so I use it all the time. Reviewed on: 10th May 2024

Amazing Credit Card

Easy to use and great offers to payback with 0 interest Reviewed on: 10th May 2024

Great deals and service

Easy to use and great customer service. Always there to help even when I’ve not needed them for years. Reviewed on: 10th May 2024

PayPal Credit works well for me

I use PayPal Credit to pay for bigger purchases so I can take advantage of 0% for 4 months. I originally used it to pay for a new laptop, made it easy to pay over time without additional interest. Easy to see when it expires. Reviewed on: 3rd May 2024

PayPal Credit easy to use

I have a PayPal Credit account and primarily use it for purchases over £99 to take advantage of the 0% offer. It's super useful, 0% for 4 months on every time I spend more than £99. The app is really clear when my 0% interest is up so I make sure to repay before then. Reviewed on: 3rd May 2024

Recommend PayPal Credit

Great product, use 0% for 4 months often, very easy to track. Reviewed on: 4th April 2024

Beware of this app

a good application for the quick and painless demise of your credit history, unless of course you are a programmer or some kind of bank Clark who has to work with many clients with many settings Reviewed on: 13th March 2024

PayPal Credit's Fraud Department is Committing Fraud

Without a doubt, PayPal Credit's Fraud Department is behind the mass scams going on with clients' accounts. Just like most of the others who have left feedback, money has come up missing, and I caught them lying about it from the beginning. I put money into an online wallet, which they returned within two hours; I hadn't bought anything with it, and it was simply for future work. I confronted them right away about the missing money in August, and they said I had reported it as fraud, which was a complete lie. I have proof. I immediately said that I never claimed it was fraud; someone at PayPal Credit did. I began to ask for proof of me reporting it as fraud because I could have withdrawn it. That's when they admitted on three occasions that someone from the Fraud Department performed the return. Then, they would claim I did, then they would claim they did. Now again, they are claiming I did and had bought something with it. However, I don't believe they contacted the company because you don't purchase when you put money in the wallet. You add money to your wallet and then decide to purchase, so what they were saying didn't add up. The other company provided a refund number, saying they refunded it right away in August. I have eight official letters from them confirming it was returned, and PayPal Credit is falsely claiming they didn't and kept it for products I received, which is not true at all. The way they described why they kept the money doesn't make sense in terms of how this company does business. They kept telling me to talk to the other company, sending me in circles. Not to mention, I never requested the money to be returned; the PayPal Credit Fraud Department did, and now it's lost. I shouldn't be responsible for it; they initiated it. I have official correspondence where I'm telling the company I never requested the money be taken out of my wallet in August. Come to October 7, 2023, they had made a new account and forwarded the $1,227.00, making me pay for it. It's crazy how the money I caught them lying about ended up missing and, months later, was forwarded to my account. Now, they are making me pay for something they did in the first place. Not only do I have to pay for the missing money that they returned, but now they are also making me pay interest on it. I filed official police reports and contacted the Better Business Bureau. The Fraud Department is pocketing all this money; it's clear to see, with all these similar stories of PayPal Credit creating new accounts without clients' permission or knowledge, forwarding balances, pretending not to understand anything you're saying, spinning you in circles, and making up stuff that doesn't make sense. Too many of us are experiencing money just disappearing. It's going somewhere into someone's pocket, which isn't fair to us as consumers. Be very aware of the scams and fraud being committed by them and use caution. Reviewed on: 13th March 2024

A Comprehensive Look at the Financing Option That Transforms Your Shopping Experience

Introduction: As an enthusiastic online shopper, I'm always on the lookout for flexible and convenient payment options. PayPal Credit caught my attention with its enticing four months interest-free offer for purchases over £99. In this review, I'll share my experience using PayPal Credit with this fantastic promotion, and how it has revolutionized my shopping endeavors. Seamless Application and Swift Approval: The application process for PayPal Credit was a breeze. As an existing PayPal user, I found it incredibly easy to apply directly from my account. After completing a simple form, I was thrilled to receive the approval notification within moments, along with the news that I could take advantage of the generous four months interest-free option on eligible purchases over £99. Empowering Flexibility: The four months interest-free offer provided me with the freedom to make more substantial purchases without the worry of immediate interest charges. This financial flexibility was a game-changer, empowering me to invest in higher-value items like electronics, furniture, and other essentials without compromising my budget. I could now plan and budget my payments over four months, allowing me to make the most of my purchases without any added stress. Seamless Online Shopping Experience: The integration of PayPal Credit with online retailers was seamless and convenient. During checkout, I could easily select PayPal Credit as my preferred payment method and proceed with my purchase effortlessly. This integration eliminated the need to enter card details repeatedly, saving me valuable time and ensuring a smooth and secure transaction process. Transparency in Terms and Conditions: I was impressed by the transparency of PayPal Credit's terms and conditions. The interest-free offer for purchases over £99 was clearly outlined, and the platform allowed me to track the promotional period and remaining balance with ease. This transparency helped me stay on top of my repayments and budget effectively, knowing exactly when the interest-free period would end. Convenient Payment Management: Managing payments with PayPal Credit was hassle-free. The platform offered various payment options, and I could choose to pay the entire balance before the promotional period expired or make smaller monthly installments. The flexibility in payment management allowed me to tailor my repayments according to my financial situation, making the experience all the more enjoyable. Outstanding Customer Support: Throughout my time using PayPal Credit, I had the opportunity to contact their customer support team on a couple of occasions. Each time, I was met with professionalism and efficiency. The representatives were knowledgeable, responsive, and resolved any concerns promptly, leaving me with a positive impression of their customer service. Conclusion: In conclusion, my experience with PayPal Credit's four months interest-free offer for purchases over £99 has been exceptional. This financing option has transformed the way I shop online, providing me with the financial freedom to make larger purchases without the burden of interest. From the smooth application process to the transparent terms and outstanding customer support, PayPal Credit has proven itself to be a reliable and empowering choice for savvy shoppers. If you're looking to make substantial purchases without incurring interest, I highly recommend giving PayPal Credit a try. Reviewed on: 8th August 2023

Life saver

During the current economic climate PayPal credit is a tool I can use smartly when I feel the pinch which helps financially navigate through difficult periods at no extra cost. I advise everyone to give it a go! Thank you PayPal! Reviewed on: 5th August 2023

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

Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 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