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PayPal: PayPal Credit reviews

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4.90
Based on 86,437 reviews, last reviewed 26th Apr 2026
1643900% increase in 5 star reviews
in the past 90 days
4650% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Great service and easy to use and straightforward Great service and easy to use and straightforward Reviewed on: 26th April 2026
Michael C's avatar
Michael C

Latest lowest rating:

2

Sometimes it works but not always. Sometimes it works but not always.. offers made for split repayments the balances are not always shown. Confusing Reviewed on: 26th April 2026
Jim F's avatar
Jim F
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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 (86437)

Generally good but trying to speak to someone is dif...

5
Generally good but trying to speak to someone is difficult so sorting a problem is a bit tiresome. Customer service access could be improved. Interest rates could be a little lower. Reviewed on: 13th April 2026
CS's avatar
CS

Direct Debit

4
I had a few problems with setting up a direct debit. But got it sorted through customer services. Reviewed on: 13th April 2026
Robert H's avatar
Robert H

Simple and easy to understand where and when payment...

5
Simple and easy to understand where and when payments are made. Reviewed on: 13th April 2026
Oscar P's avatar
Oscar P

Been here for years now any problems I got you guys...

4
Been here for years now any problems I got you guys fix it efficiently, its very good so far Reviewed on: 13th April 2026
Courtney l's avatar
Courtney l

Exquisite Company and Work Ethic.

5
Exquisite Company and Work Ethic. Reviewed on: 13th April 2026
Isabel A's avatar
Isabel A

Life changing and reliable

5
I have used credit for many years. It's been invaluable to covering groceries, unexpected expenses for the kitchen, catching collector's items and getting gifts when payday is not close. I have paid back the full sum once and have had to use it again some years later and having the reliability of that money to one side has been life changing for my family and providing for friends. I don't hesitate to reach out when i need advice and the help has always been very clear. The one time I had a fault, PayPal was super fast in fixing it and apologising. I would recommend it to everybody. Reviewed on: 13th April 2026
Evie's avatar
Evie

Superbly easy, just brilliant

5
I have a paid for a mobile device through PayPal and I have never had any issues. I buy breakfast and all my work colleagues pay me for it using PayPal. It is so easy and simple to use. Just brilliant Reviewed on: 13th April 2026
Lee S's avatar
Lee S

Very easy and convenient, I feel PayPal provides a...

4
Very easy and convenient, I feel PayPal provides a safe and secure experience Reviewed on: 13th April 2026
Kerry T's avatar
Kerry T

Good experience with paypal credit

5
Paypal generally provides good financial protection and is very accessible to use. I felt well informed when signing up to paypal credit and enjoy having the flexibility of having paypal credit for larger items I want to spread across a few months. The interest rates are fair and not extortionate beyond the 4 months of 0%. Reviewed on: 13th April 2026
Kerry B's avatar
Kerry B

Easy to use.

5
Easy to use. Very convenient tool to have. Reviewed on: 13th April 2026
Lucy's avatar
Lucy

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