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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (169432 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (169468)

Confidence and flexibility

I always use PayPal credit, it gives me a chance to buy something extra if needed or when unexpected emergency expenses come up. It gives me flexibility regarding paying back, 4 months for larger buys is excellent time frame. I’ll always use PayPal credit over any other. Reviewed on: 9th June 2026

Long term customer

I overpaid into my PayPal credit and had to contact customer support to transfer the money back. Customer support were excellent but it would be ideal if once the credit balance is 0% no further direct debit payments are taken. I wouldn’t recommend PayPal credit to friends or family as I wouldn’t advise someone to take credit but I would say it’s easier to manage and more accessible than other forms of credit so would be a convenient option for someone who needs short term credit Reviewed on: 9th June 2026

3 month payment period

I like the 3 month payment period Reviewed on: 9th June 2026

I’ve had no issues with PayPal.

I’ve had no issues with PayPal. They have provided a great service. Reviewed on: 9th June 2026

Overall great to use.

Overall great to use. Although interest charges are a bit high Reviewed on: 9th June 2026

Whenever needed to pay later PayPal was there for me...

Whenever needed to pay later PayPal was there for me Reviewed on: 9th June 2026

Over all experience is good however i had an issue r...

Over all experience is good however i had an issue recently where PayPal wasn’t fair with me Reviewed on: 9th June 2026

Quick and easy to use.

Quick and easy to use. The App allows me to clearly see my transactions. Having both a physical and virtual card makes using it simple. Reviewed on: 9th June 2026

So simple yet secure.

So simple yet secure. Consistent and reliable. Payments are taken regularly and updates always given when a purchase has been made. Reviewed on: 9th June 2026

I find Paypal to be an excellent provider.

I find Paypal to be an excellent provider and the payment options they provide ensure that I can always make a purchase whenever I need to. Reviewed on: 9th June 2026

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