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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174325 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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.

PayPal PayPal Credit reviews (174346)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Unhappy Customer

I used PayPal credit and PayPal pay in 3 for a few years, it was great and provided an excellent way of splitting payments without taking on additional credit and interest. I went to use it regularly to find the service had been removed from me and my pay in 3 application rejected. That was the first time this had ever happened and has left a sour taste in my mouth as I’d never missed payments, sometimes 100s each month but did miss one DD payment which was a failure on paypals side not mine and now I’m being penalised for it. As soon as my PayPal credit balance is cleared I will be closing it down and never ysing PayPal again, which is a shame as they have been excellent for years but don’t find them to value customers anymore. Reviewed on: 8th July 2026

Buyer Protection Fee issues

Paypal removed fees for private sellers, but added Buyer Protection Fees. Was there not already eBay support for buyers? I've used it (though it's not an easy process). So how does the Buyer Protection Fee improve the buyer's experience? Reviewed on: 8th July 2026

Is one of the best things I ever did was...

Is one of the best things I ever did was sign up Reviewed on: 8th July 2026

Reliable and safe

Been using PayPal for years and it’s easy and reliable to pay online. I like having the added layer of security and that I don't have to type my card details all the time. Reviewed on: 8th July 2026

Simple to apply with instant decision.

Simple to apply with instant decision. Very useful . Good choice of either pay in three or pay over 4 months interest free Reviewed on: 8th July 2026

i'm happy always perfect service

i'm happy always perfect service Reviewed on: 8th July 2026

Its a good app customer serive is alright

Its a good app customer serive is alright Reviewed on: 8th July 2026

Very good very nice expeditiously eloquent bemusing

Very good very nice expeditiously eloquent bemusing Reviewed on: 8th July 2026

Easy to keep track of what is owed

I love how you can keep track of what you owe and is so easy to pay your balance. I am kept up to date when the payment is due. Reviewed on: 8th July 2026

Fantastic experience with more to go

Fantastic experience with more to go Reviewed on: 8th July 2026

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