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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (99445 reviews)

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4.90

Based on 99,445 reviews, last reviewed 6th May 2026

2244050% increase in 5 star reviews

in the past 90 days

6350% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Always available to use and it's great to spread the... Always available to use and it's great to spread the cost on higher value purchases. Always use PayPal as my way to pay. Reviewed on: 6th May 2026

Latest lowest rating:

1

I made a purchase and terms and conditions were neve... I made a purchase and terms and conditions were never clearly stated and now I pay a huge interest - it’s awful Reviewed on: 6th May 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 (99445)

dispute resulation.

Paypal take long time for dispute resulation. I had a bad experience and take nearly three months to resolve the issues and back the money. Reviewed on: 6th April 2026

Exemplary Service

I had nothing but praise for PayPal any issues I have had have been dealt with quickly and efficiently. I cannot recommend them enough Reviewed on: 6th April 2026

Easy and just works

App ia great and easy to use, and payments available most places. Easy to see how much you've paid and how much you owe Reviewed on: 6th April 2026

Absolutely love PayPal

I love using PayPal, and now that I can use my PayPal Credit card anywhere which is attached my my 4 months interest free promotion, is a massive bonus. Also I use my PayPal debit card for regular transactions and accrue points. Reviewed on: 6th April 2026

Easy to use excellent 0% intrest rate over 4 months...

Easy to use excellent 0% intrest rate over 4 months makes it really good to pau back over a good time frame. Wouldn't use any other credit card now! Reviewed on: 6th April 2026

PayPal credit is no 1

Customer service easy to contact. The 4 months 0% is good. Reviewed on: 6th April 2026

Always had a positive experience with PayPal

Always had a positive experience with PayPal Reviewed on: 6th April 2026

Always quick and efficient, I feel my money is alway...

Always quick and efficient, I feel my money is always safe with them. Reviewed on: 6th April 2026

PayPal should stop relying AI.

Everything is good but PayPal should stop relying on AI tracking when they should be carrying out human investigation on delivery queries made by customers when an order has not been delivered by the seller. Reviewed on: 6th April 2026

A lifesaver for my travel plans

I cannot recommend PayPal Credit enough, especially for anyone looking to manage their bigger purchases more effectively. This service was a total game-changer for me recently; honestly, I wouldn’t have been able to go on my holiday without it. It provided the financial flexibility I needed to book my trip when I found a great deal, rather than waiting and missing out. Here are a few reasons why I think it’s a fantastic tool: Fair Interest Rates: Compared to many traditional credit cards, I found the interest rates to be very reasonable and transparent. It feels like a much more "human" way to borrow. Built-in Budgeting: One of my favorite features is that it doesn't allow you to overspend. The credit limit is sensible, providing a helpful safety net without letting you get in over your head. It’s perfect for staying disciplined while still having access to extra funds. Seamless Integration: Since it’s built right into the PayPal checkout, using it is incredibly fast and secure. If you’re planning a big trip or just need to spread the cost of a significant purchase, PayPal Credit is a reliable and fair option. It certainly made my holiday possible! Reviewed on: 6th April 2026

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