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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (62835 reviews)

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4.90

Based on 62,835 reviews, last reviewed 14th Apr 2026

1108000% increase in 5 star reviews

in the past 90 days

3600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Never had a problem. Never had a problem. Always helpful Reviewed on: 14th April 2026

Latest lowest rating:

1

Staff dealing with claims not properly trained, proc... Staff dealing with claims not properly trained, process is also questionable lacking necessary steps to resolve fairly and in a timely manner. Reviewed on: 14th April 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 (62835)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Hands down the best credit card experience

Hands down the best credit card experience I have ever had, and I’ve been banking for almost 40 years! Months of interest free payments makes booking travel or large purchases stress free. PayPal points are a really necessary addition as well that incentivise you to use the service, it’s the first credit card I actually enjoy using. Reviewed on: 8th April 2026

Pay pal is my first sort for payment.

Pay pal is my first sort for payment. I've had no problems and everything runs smoothly. Always simple and easy to use. Any problems it's sorted straight away Reviewed on: 8th April 2026

Personal views

It helps with credit rating. Not much of a vote blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah blah Reviewed on: 8th April 2026

Easy Way to Buy a New Phone Without the Upfront Cost

I used PayPal Credit to buy a Pixel 9 and the whole experience was really smooth. Being able to split the cost into easy interest free instalments made a big difference and meant I didn’t have to pay everything upfront. The checkout was quick since it’s all handled through PayPal, and the repayments are clear and easy to keep track of. It made buying a new phone feel much more manageable and stress free. Reviewed on: 8th April 2026

Good online experience with good customer service

The main issue I have is with their app. It's not very organised but their customer service was very good and fast response times. Reviewed on: 8th April 2026

Best credit I have by far, especially with the new c...

Best credit I have by far, especially with the new card feature offering more places to spend Reviewed on: 8th April 2026

Happy customer

I was a little sceptical at first but found the service excellent and very professional. Very competitive product and easy to understand with good information in regards to when payments are due to avoid penalties. Very happy customer. Reviewed on: 8th April 2026

I use PayPal credit for items over £100 on 0% intere...

I use PayPal credit for items over £100 on 0% interest as it is excellent way to pay for these items. PayPal also provides unique ways to pay for other things with extended terms. On the occasion I have needed to contact the customer service they have been excellent and I now know enough to work my way through when to pay off my interest free loan Reviewed on: 8th April 2026

PayPal is fantastic its safe and very trustworthy I...

PayPal is fantastic its safe and very trustworthy I have never had any trouble with PayPal and they have helped me so much I can't fault them in any way I will always use PayPal for all of my transactions. Reviewed on: 8th April 2026

Easy to use service and always reliable accepted in...

Easy to use service and always reliable accepted in many merchants Reviewed on: 8th April 2026

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