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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181024 reviews)

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4.73

Based on 181,022 reviews, last reviewed 23rd Jul 2026

191% increase in 5 star reviews

in the past 90 days

241% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent smooth sailing easy to use helpful custome... Excellent smooth sailing easy to use helpful customer service support Reviewed on: 23rd 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 (181024)

Good Credit

Good customer service. Quick problem solving Reviewed on: 9th June 2026

5 stars every time!

Always available for multiple checkouts. Pay in 3 is really useful too. Reviewed on: 9th June 2026

Good service and good customer service.

Good service and good customer service. Would reccomend Reviewed on: 9th June 2026

extremely convenient.

On the whole PayPal is extremely convenient. If I want to make a low cost purchase Inainly online I always use this method for checkout. Reviewed on: 9th June 2026

Excellent service

Always excellent service…very happy either way the service Reviewed on: 9th June 2026

So easy!

Very handy and usable at loads of online shops. Easy to use and payments can be made whenever is convenient to you! Reviewed on: 9th June 2026

It has good offers and straightforward transactions...

It has good offers and straightforward transactions for me. Reviewed on: 9th June 2026

Great Rewards and Flexible Payments

I’ve had a positive experience with PayPal Credit overall. One of the best features is the ability to collect points when spending with linked credit or debit cards and then redeem those points for rewards. I also really like that purchases over £100 on PayPal Credit can be spread over 4 months, which provides useful flexibility and helps with budgeting. There are, however, a couple of areas that could be improved. Firstly, when using PayPal Credit, it can sometimes take a week or more for transactions to appear and for the balance owed to update. This can make it difficult to keep track of spending in real time. Secondly, when transferring money from a linked bank account to a PayPal debit card, the transfer can take several days to arrive. Given that the accounts are already linked and verified, it would be great if these transfers could be processed much faster. Overall, PayPal offers a convenient service with some excellent benefits, but improving transaction and transfer speeds would make the experience even better. Reviewed on: 9th June 2026

It help me a lot of times and It is...

It help me a lot of times and It is very helpful Reviewed on: 9th June 2026

does what it says on the tin

Not much to say does what it says on the tin and the customer service is helpful Reviewed on: 9th June 2026

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