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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)

It saved you when needed

When I'm short for cash PayPal credit is always there, and that 4 months of no payments is a blessing Reviewed on: 9th June 2026

Excellent service received.

Excellent service received. The products are easy to use and always meet expectations. Reviewed on: 9th June 2026

Combining available cash and credit

Very convenient, however there should be an option to increase credit for loyal customers who have been with you for years. It would also be helpful to be able to combine available cash and credit. Reviewed on: 9th June 2026

The best payment app

The best payment app around, easy to use good security Reviewed on: 9th June 2026

A great alternative to credit card

PayPal credit gives a great alternative to credit card use for purchases over £100. The interest free period of 4 months is excellent but you need to be aware of the high interest rates after that. Keeping track of when final payments are due can be tricky at first. Direct debit means you don’t miss the regular payments and PayPal emails keep you well informed in advance of when they come up. Reviewed on: 9th June 2026

Love using PayPal Credit.

Love using PayPal Credit. And great customer service too! Reviewed on: 9th June 2026

So easy to use and safe, so it gives me peace of mind.

So easy to use and safe, so it gives me peace of mind. Reviewed on: 9th June 2026

Excellent

I have been with paypal credit for almost a year now and the experience has been excellent Reviewed on: 9th June 2026

Hasn’t been long, but what’s not to like!

Hasn’t been long, but what’s not to like! Points when I make purchases, and the card works every time. Reviewed on: 9th June 2026

Great service, happy customer!

Great service, happy customer! PayPal is like walking through the desert and far far away you see a water fountain, an actual water fountain with drinkable water, and No , it is not an mirage, is actual life saving water! Exactly the same with PayPal . Online shopping done , paid and pal , what a great experience I had with all the paying back options.... Sweet Reviewed on: 9th June 2026

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