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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (87913 reviews)

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4.90

Based on 87,913 reviews, last reviewed 28th Apr 2026

1712500% increase in 5 star reviews

in the past 90 days

9900% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Crucial to daily spending. Every experience i have with paypal is always easy and accesible. I never have issues. Their app and website all intergrate amazingly. The services of... Read more Reviewed on: 28th April 2026

Latest lowest rating:

1

Terrible customer service Paypal have terrible customer services, they don't seem to understand the concerns you have raised and don't seem to be in a position to put this righ... Read more Reviewed on: 27th April 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 (87913)

Paypal provides convenient payment option, ready to...

Paypal provides convenient payment option, ready to be applied across various merchant, credit options, rewards variety features benefitting information, customers to make conscious choices at greater flexibility Reviewed on: 12th April 2026

The app and service has all been easy and stra...

The app and service has all ways been easy and straightforward . Feel very safe paying for goods on line and sending money anywhere in the world with PayPal . Never had a problem and looking forward to utilising more of the services available in the future. Have recently signed up to the credit card service and so far so good. Reviewed on: 12th April 2026

Excellent PayPal Integration

I’m really impressed with the variety of PayPal options available here. Being able to choose between standard balance, linked cards, or even 'Pay in 3' made my purchase much more manageable. The checkout process was incredibly fast and felt secure, which is exactly what I look for when shopping online. Highly recommend for anyone who prefers using PayPal! Reviewed on: 12th April 2026

Extremely convenient.

Extremely convenient. Customer service has always been excellent. Reviewed on: 12th April 2026

Using PayPal Credit feels unnecessarily slow and fru...

Using PayPal Credit feels unnecessarily slow and frustrating, especially in a digital age where transactions should be processed instantly. When I make a payment, it takes far too long for the balance to update or clear. This delay creates confusion and makes it difficult to track what I actually owe in real time. Another major issue is how payments are allocated. With multiple promotional balances — for example £2800, £400, and £115 — there is no option to choose which balance a payment should reduce. If I make a £300 payment, it is automatically deducted from the largest balance (£2800), rather than clearing smaller amounts first. This is incredibly inconvenient. It prevents users from strategically paying off smaller promotional balances before deadlines, which could help avoid interest charges. Instead, the system forces payments in a way that feels counterintuitive and, frankly, unfair. Overall, the lack of payment control and slow processing makes managing PayPal Credit far more difficult than it should be. Reviewed on: 12th April 2026

It’s such peace of mind

It’s such peace of mind, find it’s the safest way of spending Reviewed on: 12th April 2026

Very handy and flexible when making larger purchases...

Very handy and flexible when making larger purchases and easy repayments Reviewed on: 12th April 2026

4 month credit plans priceless.

4 month credit plans priceless. Helps a lot Reviewed on: 12th April 2026

An excellent service!

An excellent service! Easy to use! Reviewed on: 12th April 2026

I have found paypal credit a real dream to use, simp...

I have found paypal credit a real dream to use, simple, no issues. Reviewed on: 12th April 2026

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