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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146214 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th June 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 (146214)

Paypal; click, verify & send.

Paypal is just so easy to use, click, verify & send. The offer of credit came at a perfect time to and making payments against the credit was simple. Reviewed on: 8th June 2026

I like having the option to spread payments on large...

I like having the option to spread payments on larger purchases when needed. Reviewed on: 8th June 2026

Easy access to my PayPal account and reliable service

Easy access to my PayPal account and reliable service Reviewed on: 8th June 2026

Very happy with the service, easy to use and custome...

Very happy with the service, easy to use and customer service very helpful. Reviewed on: 8th June 2026

Easy to apply for credit.

Easy to apply for credit. Virtual card makes it easy to use online and in store. APR is quite high but to be expected given the circumstances of today. Reviewed on: 8th June 2026

5 star... amazing!

Always well integrated on shops, quick checkout and great payment options an absolute pleasure to use paypal Reviewed on: 8th June 2026

Really excellent way to fund the bigger purchases

When I need to buy something which is a major expense I have used Pay Pal credit as I like the ease of applying - I already have a pal pal account- for thee smaller buys over a 3 month plan. I like the fact there is no interest Reviewed on: 8th June 2026

Excellent service and widely regarded by businesses...

Excellent service and widely regarded by businesses - feel safe and protected using PayPal credit. Reviewed on: 8th June 2026

Customer service help desk hours, need to be later t...

Customer service help desk hours, need to be later then 1800 hrs, preferably 24/7. unable to contact help desk during the opening hours due to work environment. Reviewed on: 8th June 2026

Offered a credit card and application was easy.

Offered a credit card and application was easy. I have a sensible credit limit and it easy to pay with the card when shopping. Reviewed on: 8th June 2026

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