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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181092 reviews)

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4.73

Based on 181,090 reviews, last reviewed 1st Aug 2026

106% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

The ease it provides is now so much better. The ease it provides is now so much better. More websites and online are now accepting this payment. Bring able to add this to my wallet has made thin... Read more Reviewed on: 1st August 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

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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.

PayPal PayPal Credit reviews (181092)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Music lover RobinHood

I have been buying equipment and it’s been so easy to manage and pay for. It’s really helpful for anything. Reviewed on: 17th July 2026

Worldwide

Love the freedom in any currency that available Reviewed on: 17th July 2026

Mam mile doswiadczenia za profesjonalna obsluga w ka...

Mam mile doswiadczenia za profesjonalna obsługa w każdej sprawie i za super zabezpieczenia w transakcjach. Reviewed on: 17th July 2026

Endless Loop Trying to Close PayPal Credit

They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be told it would be closed within 7 to 10 days. Every single time I check back, it's still open. Because the account remains active, PayPal will occasionally default to PayPal Credit for a payment even though I don't want to use it. Then you're forced to clear the balance again before they'll even consider closing the account. To make matters worse, interest of just a few pounds, in my case around £1.74, gets added after you've paid it off. That means the balance is no longer zero, so you're told you have to pay it and wait another 7 to 10 days before they can "try" to close it again. It's an endless cycle. I've been promised on multiple occasions that my account had been closed, only to discover later that it was still active. The APR is also extremely high, so there's very little reason to keep the account open in the first place. If a customer asks to close a credit account, it should be closed promptly. Instead, PayPal seems to make the process as difficult as possible. I would never recommend PayPal Credit based on my experience. Reviewed on: 17th July 2026

Happy with service and easy to use.

Happy with service and easy to use. Reviewed on: 17th July 2026

All products from PayPal is very good

All products from PayPal is very good , usable and easy to setting. Thank you PayPal. Reviewed on: 17th July 2026

Easy to use, reliable, have previously used pay in 3...

Easy to use, reliable, have previously used pay in 3 and now using PayPal credit paid everything back within the 4 months meaning no interest incured, simple effect and reassuring stability offered Reviewed on: 17th July 2026

Cars fixed with no delay

PayPal credit made affording car repairs a breeze as I could spread the cost of the parts easily and interest free Reviewed on: 17th July 2026

Always very easy to use and have different paying me...

Always very easy to use and have different paying methods Reviewed on: 17th July 2026

PayPal has been very helpful and understanding throu...

PayPal has been very helpful and understanding throughout. Reviewed on: 17th July 2026

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