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PayPal: PayPal Credit reviews

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4.90
Based on 109,538 reviews, last reviewed 18th May 2026
2706850% increase in 5 star reviews
in the past 90 days
7950% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
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See only 4 star reviews
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1%
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0%
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Latest highest rating:

5

Good service ............,,.......................... Reviewed on: 18th May 2026
Someone 's avatar
Someone

Latest lowest rating:

1

PayPal doesn’t look after customers and the policy... PayPal doesn’t look after customers and the policy needs re-wording Reviewed on: 17th May 2026
Paul B's avatar
Paul B
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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 (109538)

Fast efficient why charging late payment

5
Fast efficient why charging late payment Reviewed on: 28th April 2026
CHRIS P's avatar
CHRIS P

worst customer service experience

2
I am writing this review as I have had significant hurdles as a customer of PayPal credit and debit card , all experienced soon after PayPal rolled out their debit and credit cards and introduced the new PayPal + rewards program. Don’t get me wrong- PayPal credit has its place , especially at the checkout with some providers where 0% pay in 4 options are offered allowing to purchase products and spread it in 4 equal instalments. However , since the introduction of these new products, the quality of service for instances with unwarranted re-payment suddenly being collected from the bank, inability to add PayPal balance even when you have linked the respective bank accounts and credit cards and most importantly the spelling AI chat assistant that is incredibly hard to bypass and seek an immediate resolution has made my recent interactions draining and exhausting. When I’ve raised complaints querying any payments , I get a totally unrelated computer generated response with the title FINAL RESPONSE which shows how callous this organisation has become . For someone who has an excellent credit file like me and given that I’ve always made my payments on time, my credit limit has not even increased even by £10 over 10 years. Unlike other credit providers, there are also no options for customers to manually request an increase in credit limits making PayPal credit of no use when you want to use it for example getting a flight or any high value product for that matter..The PayPal + rewards program is an absolute failure as despite having accumulated points the options for redeeming PayPal credits almost never appear at the checkouts and I have only witnessed it appearing on one ocassion. There are no other ways at all to redeem points like towards uber or a takeaway etc and you just see a number in the app which is of no benefit to the customer whatsoever. As also a disabled user and a busy healthcare professional, I feel their internal policies making the app inaccessible & withholding benefits feel feel quite discriminatory in nature- Reviewed on: 28th April 2026
SY's avatar
SY

It’s really a wonderful experience

5
It’s really a wonderful experience Reviewed on: 28th April 2026
Olanrewaju O's avatar
Olanrewaju O

I have had a very nice buying experience buying with...

5
I have had a very nice buying experience buying with pay pay credit , i think it great, sometimes it won't let me sign in with my pip number, don't know why this is is, but all's good for noe Reviewed on: 28th April 2026
Pete Elliss's avatar
Pete Elliss

I had no complaints whatsoever since I got this acco...

5
I had no complaints whatsoever since I got this account with PayPal. Reviewed on: 28th April 2026
Jaffar 's avatar
Jaffar

Easy and convenient way to pay.

5
Easy and convenient way to pay. Always available to use. Helps with bigger purchases with pay in 3 Reviewed on: 28th April 2026
Martin Christie's avatar
Martin Christie

Reviewing Paypal Credit Experience -

5
Describe PayPal Credit as as a valuable service and helpful way to spread the cost of larger purchases.The most praised feature is the 0% interest foe 4 months on purchases over £99/-Ease Of Use Long term users on platform like Smart Money people report that it ia 100%great and always easy to use.Always safer using it for online shopping due to Paypals guarantee and protection policeis that might not apply to standard Debit card+ Instant decisions are often processed in seconds providing a digital link of credit almost immediately upon approval. Would highly recommend Pay pay to family and friends. PayPal Loyal Customer /Suresh Hindocha Reviewed on: 28th April 2026
Mr& Mrs Hindochs's avatar
Mr& Mrs Hindochs

5* PayPal credit helps you when you need it the most!

5
5* Helps you when you need it the most! I needed tyres for my car but couldn’t afford it the same month, but thanks to PayPal credit I got my tyres. Now I have piece of mind knowing I have four months at 0% to pay it back. Reviewed on: 28th April 2026
Max Parsons's avatar
Max Parsons

PayPal credit is a great backup!

5
I’ve found PayPal to be one of the most convenient ways to handle bigger purchases. What I really like is the flexibility it offers - there’s usually an option that fits my situation at the time. The “Pay in 3” feature is especially useful when I want to spread out the cost without extra stress, and PayPal Credit has been a great backup when I need a bit more breathing room financially. The platform itself is easy to use, and I feel confident using it across different websites. Transactions are quick, and I appreciate the added layer of security when paying online. Overall, PayPal works really well for me because it adapts to my needs, whether I’m planning ahead or making a last-minute purchase. Reviewed on: 28th April 2026
Aida's avatar
Aida

Very convenient and easy to use, well support by man...

5
Very convenient and easy to use, well support by many merchants worldwide. Reviewed on: 28th April 2026
Leo K's avatar
Leo K

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