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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148222 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148222)

Have been using them since childhood, I like the way...

Have been using them since childhood, I like the way they issue a honest middle man feature when dealing with companies. Make me feel my money is in safe place Reviewed on: 3rd May 2026

Lifesaver!

Having the “pay in 3” option can be a life saver when you’ve got multiple purchases adding up…more time to pay, less hassle Reviewed on: 3rd May 2026

Serious security issues.

I received notifications for purchases I hadn’t made. Contacted PayPal immediately in writing and by phone; operators couldn’t explain it, several calls later I was told, “we can’t/won’t disclose how they did it for security reasons”. Reviewed on: 3rd May 2026

Always use PayPal wherever I see the sign!

Always use PayPal wherever I see the sign! Reviewed on: 3rd May 2026

Always fast and efficient.

Always fast and efficient, never had any issues. Helped with buyer protection and providing evidence in a seller claim when somet5I sold went missing, because of this I was able to claim the money back and get a replacement to my customer. I have recently started using the PayPal debit card which is very handy, they even supplied a physical card. That's at no cost and you can earn points to spend on rewards. Reviewed on: 3rd May 2026

Feel very safe making payment via PayPal as I know i...

Feel very safe making payment via PayPal as I know if anything goes wrong, PayPal won't leave me alone.Thanks. Reviewed on: 3rd May 2026

Could be more intuitive to use, not always obvious w...

Could be more intuitive to use, not always obvious what plans the monthly payment covers Reviewed on: 3rd May 2026

Always helpful and offer a range of services to each...

Always helpful and offer a range of services to each cudtomer. The customer service is very good as well Reviewed on: 3rd May 2026

Simple and straightforward.

Simple and straightforward. Not had any need for customer service. Reviewed on: 3rd May 2026

Simless and it has been the best in its class

Simless and it has been the best in its class. I didn't even apply for their credit i was told I qualify for one if im interested and I simply said yes and the rest they say is history. Im enjoying been with PayPal Reviewed on: 3rd May 2026

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