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PayPal: PayPal Credit reviews

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4.91
Based on 57,168 reviews, last reviewed 8th Apr 2026
587900% increase in 5 star reviews
in the past 90 days
1600% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
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1%
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0%
See only 1 star reviews
0%

Latest highest rating:

5

Hi any problems I had it was resolved right away onc... Hi any problems I had it was resolved right away once I didn’t receive my goods I ordered pay pal paid me I can’t praise enough keep the good work exc... Read more Reviewed on: 8th April 2026
MR M Desai's avatar
MR M Desai

Latest lowest rating:

1

I was scammed and the item was cancelled and I was t... I was scammed and the item was cancelled and I was told that PayPal wouldn’t help because it wasn’t covered by buyers protection even though it states... Read more Reviewed on: 8th April 2026
Tina Lorraine Oakley's avatar
Tina Lorraine Oakley
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (57168)

The One Credit Account I Won't Close!

5
I have had PayPal for years for when I would sell my clothes on eBay and loved the protection that they put it for potential issues on a marketplace site. Then I got PayPal Credit (about 5 years ago) and have been so thankful for the different purchase options which help me manage finances. Most recently, I my phone was pick pocketed whilst I was waiting on a train platform in London and was on a plane to North Africa the next day, thanks to PayPal Credit, I was able to pay for a new phone in full without the delay of saving for the unexpected expense or entering into a high interest credit agreement. I got it on 4 months 0% option and have finished the payments a month early. Another positive experience is when a stranger kept trying to do password resets on my account and send payment requests to me. I spoke with PayPal customer service and they guided me through step by step what I needed to do and resolve it. Finally another great experience is with refunds, I purchased from a UK seller, sent the returns back within the return window and they did not refund me or respond to my emails for almost 10 weeks. I spoke with PayPal customer service who opened the dispute for me when I was struggling and got my money back. I have already recommended them several times over, the only reason I give a 9 out of 10 is because payments take a while to debit and credit PayPal Credit when trying to make a statement payment. This is a user experience that could be improved Reviewed on: 13th May 2024
Pix's avatar
Pix

Great product

5
Just a great product easy to use and works well with your financial situation Reviewed on: 13th May 2024
paul s's avatar
paul s

Very easy to use, good service, can pay for a lot of...

5
Very easy to use, good service, can pay for a lot of stuff and not have to pay all in one Reviewed on: 13th May 2024
Neil W's avatar
Neil W

Gives a sense of safety

5
We purchased an expensive camera from overseas on ebay just before the pandemic. Months passed by, and nothing arrived, even though the seller insisted on that they had sent the camera. When we gave up hope, we contacted PayPal, and won the dispute in the end. It was a huge relief, as such big amount would've cut a large hole on our finances. We liked PayPal before that incident, but it strengthened our trust since this even more. Reviewed on: 13th May 2024
roloka's avatar
roloka

I have been using PayPal Credit for many years now,...

5
I have been using PayPal Credit for many years now, never had any issues and I can always call them anytime if I have any questions & they regularly update your credit limit to thank you for being loyal customers. Reviewed on: 13th May 2024
Dan Roles's avatar
Dan Roles

Easy to do

5
I love thé fact I can use PayPal credit for a range of things and it doesn’t need lots of info or forms filled in . Easy to do Reviewed on: 13th May 2024
Nic's avatar
Nic

Love the control it gives me!

5
Used it to buy a holiday at first with a strict budget plan for paying it back. Absolutely loved the ease of use, just went on my paypal ap and could make a payment very easily. Loved seeing the amount come down and have used this service again since. I don’t usually like doing anything with credit but i love this as it gives me so much control. Reviewed on: 13th May 2024
Rae 's avatar
Rae

Good service and excellent

5
Good service and excellent service Reviewed on: 13th May 2024
Ashraf G's avatar
Ashraf G

I enjoy it!

5
I enjoy it! Easy to use and easy to contact. I only wish there was a chat funcktion in the app Reviewed on: 13th May 2024
Toby l's avatar
Toby l

Wrote off my £12 late payment fee, very grateful

5
Wrote off my £12 late payment fee, very grateful Reviewed on: 13th May 2024
James's avatar
James

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