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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181137 reviews)

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4.73

Based on 181,137 reviews, last reviewed 31st Aug 2026

10% decrease in 5 star reviews

in the past 90 days

4% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used Pay Pal credit for a few years now, fantas... I’ve used Pay Pal credit for a few years now, fantastic and low repayments Reviewed on: 31st August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181137)

They have twice not taken my direct debit that I set...

They have twice not taken my direct debit that I set up, then reported me for not making the minimum payment (even though the previous months it went through fine). Payments also take days to go through Reviewed on: 8th June 2026

Always love shopping with paypal,it's so helpful and...

Always love shopping with paypal,it's so helpful and convenient. Reviewed on: 8th June 2026

It’s a smart

It’s a smart way to purchase very reliable and straightforward Reviewed on: 8th June 2026

Always there when you need them!

They have always been fair, and always willing to help with any query. Reviewed on: 8th June 2026

No problems

Have had no problems and any queries dealt with quickly. Reviewed on: 8th June 2026

Positive experience with PayPal credit.

Positive experience with PayPal credit. Used customer services chat once before and they were brilliant, answered all questions and cleared up a query. Reviewed on: 8th June 2026

Excellent, integrated, credit facility with the cust...

Excellent, integrated, credit facility with the customer service and surety of dealing with a professional organisation such as PayPal. Support for when things go wrong with sellers is exceptional and gives great peace of mind. Reviewed on: 8th June 2026

I really like the interest free rates for example 4...

I really like the interest free rates for example 4 months 0%. I did find however that I could not use the PayPal credit at all retailers. Reviewed on: 8th June 2026

Was charged when I forgot to set up a DD, didn’t hav...

Was charged when I forgot to set up a DD, didn’t have a reminder, just took the charge. I had the money ready, too. I thought pay in 12 was set up on its own Reviewed on: 8th June 2026

Highly Recommended

PayPal credit is so easy to use and control your spending with and pay in three is brilliant. Highly Recommended. Reviewed on: 8th June 2026

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