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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180929 reviews)

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4.73

Based on 180,929 reviews, last reviewed 17th Jul 2026

306% increase in 5 star reviews

in the past 90 days

367% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Excellent service all round . Excellent service all round . They treat you like a real person and understand your problem. Reviewed on: 17th July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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 (180929)

Clear and easy to use service.

Clear and easy to use service. Options to spread the payment are great Reviewed on: 9th June 2026

I have had paypal for over 10 years!

I have had paypal for over 10 years. It is simply the best!. Reviewed on: 9th June 2026

Very quick easy and safe way to buy items online, al...

Very quick easy and safe way to buy items online, always use it if avaliable.only down side is pay in 3 has been removed from ebay for some reason. Reviewed on: 9th June 2026

Egidijus

I am very satisfied. I received the loan without any problems as I needed the money. Reviewed on: 9th June 2026

Lack of customer service agents to speak to about cr...

Lack of customer service agents to speak to about credit increase or decrease is a problem. Reviewed on: 9th June 2026

Great credit card

The four month free interest is great for larger purchases Reviewed on: 9th June 2026

I start to use a month ago and I love...

I start to use a month ago and I love now Reviewed on: 9th June 2026

Great PayPal experience

It’s easy, straightforward credit with options to help pay in 3! Reviewed on: 9th June 2026

I always use PayPal credit, so handy to have and alw...

I always use PayPal credit, so handy to have and always the best deals with interest free Reviewed on: 9th June 2026

Excellent way of budgeting

Paypal credit allows me to buy things that i can't afford in 1 payment. I can then either spread this across 3 payments or over 4 months interest free. I can budget accordingly. If I didn't have paypal credit, I would be putting things on a credit card and incurring interest. Reviewed on: 9th June 2026

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