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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181107 reviews)

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4.73

Based on 181,107 reviews, last reviewed 6th Aug 2026

53% increase in 5 star reviews

in the past 90 days

70% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Reliable support when I need it. Everything is always set out in a way I can understand. It’s a quick and easy process. Being older, it gives me confidence in using it. Reviewed on: 6th 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 (181107)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Easy to use convenience and can pay later

Easy to use convenience and can pay later Reviewed on: 17th July 2026

PayPal every time.

I love to use PayPal; it's my preferred method of payment. Unless one can't use PayPal, I use my PayPal credit card, and my PayPal bebit card. It's peace of mind knowing that you can pay with no worries . Reviewed on: 17th July 2026

Instant credit without hassle and it's there when yo...

Instant credit without hassle and it's there when you need it once you pass the initial application which is quick and easy. Reviewed on: 17th July 2026

Usually no issues at all.

Usually no issues at all. I love PayPal Reviewed on: 17th July 2026

Never had a problem

Never had a problem, and regular reminders that automatic payments are due are very useful Reviewed on: 17th July 2026

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

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