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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181154)

PayPal makes it difficult to avoid interest.

PayPal as a concept is great. It was the first easy way to pay when buying and selling internationally. But it’s very difficult to understand the different balances in the account. And payments you make clear the interest free balance BEFORE paying off any interest accruing balance. And the Honey app is just a way for them to spy on ALL your web browsing. Avoid! Reviewed on: 9th June 2026

Hassle free shopping

Ive never had a bad experience using PayPal Credit and it has been useful when making unexpected purchases Reviewed on: 9th June 2026

easy to use and reliable

easy to use and reliable, i like that you get extra time on purchases free of interest, easy and quick approval etc. i like that you can get a physical card for it if you want aswell. ive used paypal for years but its especially great now that you can get credit and the new points scheme aswell. Reviewed on: 9th June 2026

The experience was very smooth.

The experience was very smooth. The application was straightforward. The transaction processing was robustly integrated into the payment processing platforms. The credit statement dispatch was ideal. The portal was the easiest to use. Highly recommended. Reviewed on: 9th June 2026

Very good and never disappointed me.

Very good and never disappointed me. Reviewed on: 9th June 2026

All good, great way to budget, interest free is even...

All good, great way to budget, interest free is even better, just wish I could do it at more retailers! Reviewed on: 9th June 2026

Amazing customer service

When I had a problem with my pay pal account i called customer service and it was sorted straight away. Reviewed on: 9th June 2026

Fantastic option for interest free purchases over £100

Fantastic option for interest free purchases over £100 Reviewed on: 9th June 2026

Friendly, convenient and fast!

Friendly, convenient and fast! Never had any issues with paypal. Highly recommend Reviewed on: 9th June 2026

The best finance option

The best finance option you can buy in cash in credit very strong support Reviewed on: 9th June 2026

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