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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148142 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148142)

Never had an issue that couldn't be resolved

Never had an issue that couldn't be resolved Reviewed on: 10th May 2026

Never had any issues with Paypal, trust them more th...

Never had any issues with Paypal, trust them more than any other company Reviewed on: 10th May 2026

PayPal is so easy to use, not just for making paymen...

PayPal is so easy to use, not just for making payments but receiving. When I have had an issue with a payment, it was quickly resolved Reviewed on: 10th May 2026

Fast, secure, and easy to use.

Review Body: > I have been using PayPal for several years now, and it remains my go-to platform for online shopping and international money transfers. Pros: Linking my cards was seamless, and the checkout process is incredibly fast since I don't have to re-enter my details every time. What I value most is the "Buyer Protection"—it gives me peace of mind knowing I can dispute a transaction if an item doesn't arrive. Experience: The interface is user-friendly and the app is very responsive. While the exchange rates are slightly higher than bank rates, the security and global acceptance make it worth it. Reviewed on: 10th May 2026

Zero percent interest and time to repay is great

Zero percent interest and time to repay is great Reviewed on: 10th May 2026

Would always recommend

I've never had a problem with PayPal, always great value Reviewed on: 10th May 2026

As a long-time user of PayPal Credit for online shop...

As a long-time user of PayPal Credit for online shopping, I was thrilled to learn about the introduction of the physical card enabling in-store, offline use. This update has genuinely bridged the gap between flexible digital financing and everyday shopping needs.Why the In-Store Feature is a Massive Upgrade:True Versatility: Previously, I was limited to using my credit line only with merchants accepting PayPal online. Now, with the physical Mastercard issued by Synchrony, I can use my credit line in shops, restaurants, and on public transport—anywhere Mastercard is accepted.0% Interest Perks Offline: The best feature remains intact: the 4-month 0% interest offer on purchases of $149/£99 or more. Being able to apply this to larger in-store purchases (like appliances or clothes) without needing to pay immediately is a huge benefit for budgeting.Seamless Integration: The new card integrates directly with my existing PayPal wallet, keeping my credit management, statement tracking, and payments all in one place.Instant Access: Once approved for the physical card, I was able to access it for purchases immediately, providing a great "buy now, pay later" flexibility in the real world. Reviewed on: 10th May 2026

Always user to buys anything online it’s a must

Always user to buys anything online it’s a must Reviewed on: 10th May 2026

Always easy to use and provides a safe way to...

Always easy to use and provides a safe way to pay Reviewed on: 10th May 2026

Fantastic service all the way.

Fantastic service all the way. Easy to use as well Reviewed on: 10th May 2026

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