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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50806 reviews)

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4.91

Based on 50,806 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 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 (50806)

Been using it a few years, easy to use, easy to make...

Been using it a few years, easy to use, easy to make repayments and overall very good rates too. Would recommend. Reviewed on: 27th May 2025

I've had no trouble with paying for goods on line wi...

I've had no trouble with paying for goods on line with PayPal at all. plus i know iam covered if something goes wrong, Reviewed on: 27th May 2025

Never had a problem with PayPal.

Never had a problem with PayPal. Been using them for longer than I can remember. Reviewed on: 27th May 2025

Pay Pal credit is very good, it’s the customer servi...

Pay Pal credit is very good, it’s the customer service that lets you down, it’s impossible to navigate the options when trying to speak to an actual person, not everything is covered by the automated actions, it’s extremely frustrating Reviewed on: 27th May 2025

Paypal pay in 3 is my saviour!

Pay Pal pay in 3 is my go to payment method where available, as it helps me budget without having to pay intrest on my purchases. I love being able to get the things I want when I want without the stress of financing. Reviewed on: 27th May 2025

Very useful service.

Very useful service that removes the need to share credit/debit card details with others. Reviewed on: 27th May 2025

Very easy to apply for and easy to use.

Very easy to apply for and easy to use. It is great that everything can be done from an app. Lots of places where it can be used, often with very good deals on repayments. I’d highly recommend it, use it more than I expected to. Reviewed on: 27th May 2025

The same as any loan service really.

The only problem I've had with PayPal Credit involved securing a refund from a company who were adamant not to give me one, even though they were in the wrong. I used PayPal Credit to pay for the item as it was an expensive purchase for me. The basic gist of the situation was I ordered an item and the company I ordered it from sent me the wrong thing (significantly less in value). I complied with their return and refund policy the first time, and they offered me a discount in apology, and encouraged me to re-order the item with the promise they'd fixed the warehouse issue and I would receive the correct thing this time. I again received the wrong item. On both occasions, the company's customer service was non-existent (online chat only) and they refused to believe I'd been sent the wrong item, making it difficult for me to organise a return (I'm talking over a week of emails, both times, to convince them what I had received was not what I had ordered - they just would not believe me, no matter my evidence - I was also passed around to multiple different workers, and had to re-explain the issue every time). So inevitably, I had to open up a claim with PayPal. My argument was that it was the company's fault for making the same mistake twice, they were deliberately making communication difficult so that they wouldn't have to refund me, and so I felt a goodwill gesture would have been for PayPal to help me secure a full refund without me having to return the second incorrect item. PayPal customer service sided with the retailer and not me, however, despite the situation, and despite personal circumstances (that I explained to them) which made completing the return difficult for me at the time. In the end, on PayPal's advice (and because the company wouldn't even waive the return fees at this point), I paid return postage, and made the trip to return the incorrect item at great cost to my health. PayPal advised this because otherwise the company could wait for my claim to elapse without refunding me, and I would be unable to take any further action. Because by this point I can only assume tormenting me was funny or something, the company reached out to me one hour after I'd provided evidence to them and PayPal of the return to say I could keep the item after all and they would give me a full refund. I didn't feel like that was fair and I honestly felt like there was very little understanding or consideration afforded to me as the consumer from PayPal. It really felt (to me) like all of my stress could have been avoided if they'd just advocated for me on my behalf, like I was led to believe (from other customer testimonies) they would. The errant company in question was basically allowed to mistreat me, and there was nothing I could do about it. I ended up out of pocket during a health crisis, and in the middle of a house move. It has just forever left a negative impression for me and once I have paid off my remaining balance I will likely not use PayPal Credit again. In terms of PayPal Credit as a lender, however, it's the same as any loan service. Make your payments on time, and you won't have any trouble. I have never missed a payment (for the purchase in question, I paid the balance off very promptly BOTH times), and so have had no trouble outside of that one negative customer service experience. PayPal Credit itself is very informative - I know exactly what I have to pay and when, and I don't live in fear of any surprise interest charges. I'm on track to paying off the small amount on there left and I hope to never have to make a PayPal claim ever again (by just avoiding using them for purchases in the future, to be honest). They are not as helpful at securing refunds from crooked companies as I was led to believe they would be, and I really needed their help at that time. Reviewed on: 27th May 2025

Easiest way to make and take payments

Paypal make making and taking payments that much easier. Everything within a few clicks. Reviewed on: 27th May 2025

always found it easy to navigate

always found it easy to navigate Reviewed on: 27th May 2025

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