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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144795 reviews)

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4.73

Based on 144,793 reviews, last reviewed 24th Jun 2026

4319150% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great way to pay for goods and services. Been using PayPal for a long time. Never had any issue. Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 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.

PayPal PayPal Credit reviews (144795)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Very good so easy to use.

Very good so easy to use. It helps when you can use it with eday as well at the shops . Im going to use it a lot more and maybe replace my other cards Reviewed on: 23rd June 2026

Been useing Paypal and found it spot on,.

Been useing Paypal and found it spot on,. Reviewed on: 23rd June 2026

Fast to reply and offer help

When I have had a problem they are always fast to reply offering excellent advice and help. Reviewed on: 23rd June 2026

Great experience but lots of scammers pretending to...

Great experience but lots of scammers pretending to be PayPal which is concerning Reviewed on: 23rd June 2026

Have had no problems for payments

Have had no problems for payments Reviewed on: 23rd June 2026

PayPal Credit: Swipe Now, Panic Later (If You Forget)

PayPal Credit is a bit like having a “buy now, think about it later” button—convenient, but not without its quirks. On the plus side, it’s super easy to use, especially if you already use PayPal. You can spread the cost of purchases quickly, and the 0% interest promotions (usually for 4+ months on larger purchases) are a real win—if you pay it off in time. It’s smooth, fast, and great for managing one-off bigger spends without whipping out a credit card. However, this is where the catch creeps in. Miss that promotional deadline, and the interest can hit hard, often applied retroactively to the full amount. The structure also isn’t always the clearest, so it’s easy to lose track if you’re not paying close attention. Customer service gets mixed reviews too—some people find it fine, others say resolving issues can be slow or frustrating. Verdict: Pros: Convenient, easy to use, useful 0% offers Cons: High interest if you slip up, can be a bit confusing Overall: Great as a short-term borrowing tool if you’re organised—but definitely not something to use casually or forget about. Reviewed on: 23rd June 2026

I find PayPal extremely flexible and easy to use.

I find PayPal extremely flexible and easy to use. No fuss, it just works well and having used it for many years its always my preferred choice for any transactions. Reviewed on: 23rd June 2026

I use PayPal for most of my online purchases.

I use PayPal for most of my online purchases. I feel that my transactions are secure and refunds are received very quickly. I love that large purchases like holidays can be paid in three or by PayPal credit without any interest over 4 months. Reviewed on: 23rd June 2026

Good service and availability for purchases in diff...

Good service and availability for purchases in different places Reviewed on: 23rd June 2026

Easy to use payment option, wide variety of payment...

Easy to use payment option, wide variety of payment option available Reviewed on: 23rd June 2026

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