Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732471964998601114 (144743 reviews)

View other PayPal products

4.73

Based on 144,732 reviews, last reviewed 22nd Jun 2026

4316400% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very smooth experience in all Very smooth experience in all. Quick decision. Reviewed on: 22nd June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 2026

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (144743)

Great to have a pay pal for transactions and protect...

Great to have a pay pal for transactions and protection on payments Reviewed on: 28th April 2026

So user friendly, very intuitive

So user friendly, very intuitive Reviewed on: 28th April 2026

A stress very and easy to use service

A stress very and easy to use service Reviewed on: 28th April 2026

Fast efficient why charging late payment

Fast efficient why charging late payment Reviewed on: 28th April 2026

worst customer service experience

I am writing this review as I have had significant hurdles as a customer of PayPal credit and debit card , all experienced soon after PayPal rolled out their debit and credit cards and introduced the new PayPal + rewards program. Don’t get me wrong- PayPal credit has its place , especially at the checkout with some providers where 0% pay in 4 options are offered allowing to purchase products and spread it in 4 equal instalments. However , since the introduction of these new products, the quality of service for instances with unwarranted re-payment suddenly being collected from the bank, inability to add PayPal balance even when you have linked the respective bank accounts and credit cards and most importantly the spelling AI chat assistant that is incredibly hard to bypass and seek an immediate resolution has made my recent interactions draining and exhausting. When I’ve raised complaints querying any payments , I get a totally unrelated computer generated response with the title FINAL RESPONSE which shows how callous this organisation has become . For someone who has an excellent credit file like me and given that I’ve always made my payments on time, my credit limit has not even increased even by £10 over 10 years. Unlike other credit providers, there are also no options for customers to manually request an increase in credit limits making PayPal credit of no use when you want to use it for example getting a flight or any high value product for that matter..The PayPal + rewards program is an absolute failure as despite having accumulated points the options for redeeming PayPal credits almost never appear at the checkouts and I have only witnessed it appearing on one ocassion. There are no other ways at all to redeem points like towards uber or a takeaway etc and you just see a number in the app which is of no benefit to the customer whatsoever. As also a disabled user and a busy healthcare professional, I feel their internal policies making the app inaccessible & withholding benefits feel feel quite discriminatory in nature- Reviewed on: 28th April 2026

It’s really a wonderful experience

It’s really a wonderful experience Reviewed on: 28th April 2026

I have had a very nice buying experience buying with...

I have had a very nice buying experience buying with pay pay credit , i think it great, sometimes it won't let me sign in with my pip number, don't know why this is is, but all's good for noe Reviewed on: 28th April 2026

I had no complaints whatsoever since I got this acco...

I had no complaints whatsoever since I got this account with PayPal. Reviewed on: 28th April 2026

Easy and convenient way to pay.

Easy and convenient way to pay. Always available to use. Helps with bigger purchases with pay in 3 Reviewed on: 28th April 2026

Reviewing Paypal Credit Experience -

Describe PayPal Credit as as a valuable service and helpful way to spread the cost of larger purchases.The most praised feature is the 0% interest foe 4 months on purchases over £99/-Ease Of Use Long term users on platform like Smart Money people report that it ia 100%great and always easy to use.Always safer using it for online shopping due to Paypals guarantee and protection policeis that might not apply to standard Debit card+ Instant decisions are often processed in seconds providing a digital link of credit almost immediately upon approval. Would highly recommend Pay pay to family and friends. PayPal Loyal Customer /Suresh Hindocha Reviewed on: 28th April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.71 from 3756 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75465 reviews
Payments
from PayPal 4.71 from 3756 reviews
Credit card
from PayPal 4.69 from 98 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub