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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181130 reviews)

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4.73

Based on 181,130 reviews, last reviewed 20th Aug 2026

9% increase in 5 star reviews

in the past 90 days

21% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Very good experience so far. Very good experience so far. Four months free interest deal it’s so good. Reviewed on: 20th 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.

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PayPal PayPal Credit reviews (181130)

paypal is safe surcure and easy i have no problems a...

paypal is safe surcure and easy i have no problems as you have sure who you give your account details to Reviewed on: 2nd July 2026

Exerlent knowing that my items i have bought arrive...

Exerlent knowing that my items i have bought arrive with no hassel and payments. Are taken 0n given date with no Hassel can easlay contack customer services when required Reviewed on: 2nd July 2026

Pay Pal credit great for our needs

Happy to pay over 12 months, has been great for us as we can pay monthly, interest free, but don't have large sums. Reviewed on: 2nd July 2026

Easy to understand and solve. Ok

Easy to understand and solve. Lots of conveniences Reviewed on: 2nd July 2026

confusing and slow.

It is very confusing, especially when you try to send a few payments to pay off your credit. One day PayPal balance transfers work, and the next day they do not. Also, when buying online and a transaction is declined or an error occurs, your bank provider still charges you for the transaction (not PayPal, but for example, Lloyds Bank). Definitely, the speed of PayPal transactions must improve. It is easy to buy but difficult to pay back, especially since some banks block money transfers to your PayPal account are annoying. Reviewed on: 2nd July 2026

Very simple to use, convenient and fast

Very simple to use, convenient and fast Reviewed on: 2nd July 2026

Unhelpful customer service.

I had an issue previously when trying to top-up a mobile phone. I was charged but the top-up didn’t go onto the phone. I was told by an agent, rather rudely, that I could not claim as it is not ‘covered’. This should be made clear BEFORE making the transaction. I found the customer care and lack of help, very poor. Reviewed on: 2nd July 2026

Pal to Pay

Very helpful way of sorting out the bill with mates! Reviewed on: 2nd July 2026

Very flexible.

Very flexible. It's great that PayPal credit allows flexibility. The rates should be slightly lower though. Reviewed on: 2nd July 2026

It’s the simple things in life.

Been a user of PayPal for a long time . They just make everything soo simple and efficient to use. It’s easy to navigate and nothings over complicated which keeps it fresh. Reviewed on: 2nd July 2026

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