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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181121 reviews)

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4.73

Based on 181,120 reviews, last reviewed 13th Aug 2026

26% increase in 5 star reviews

in the past 90 days

42% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal credit gives me freedom Lovely PayPal credit gives me freedom to buy items I want but can’t quite afford and can pay over time Reviewed on: 13th 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 (181121)

Paypal works for me every time....

I’ve been using PayPal for quite a few years and always find it a good experience, the credit facility is excellent and when purchasing the PayPal system gives you a lot of confidence that things will be ok. The app gives you up to date information on what stage your delivery is at so there is no need to worry about when you will be receiving your goods. Reviewed on: 5th June 2026

Emergency needs made easy and affordable

It makes my emergency payment easy and I can fully rely on PayPal for my emergency needs Reviewed on: 5th June 2026

I had an issue with PayPal and it was resolved withi...

I had an issue with PayPal and it was resolved within 10 minutes Reviewed on: 5th June 2026

payapl credit is scamming customers

I changed my PayPal Credit direct debit payment from the minimum payment to a significantly higher amount approximately four months ago. However, I was never notified by PayPal that this change had been made, nor was I informed that the direct debit would no longer be collected automatically. I did not receive any email, message, or other communication regarding this issue. As a result, I reasonably believed that my payments would continue to be taken automatically as before. Due to the lack of notification, I unintentionally missed a payment, despite the amount due being relatively small and despite having sufficient funds available. I am extremely disappointed with the way this has been handled. The absence of any warning or notification has caused unnecessary inconvenience and has undermined my trust in PayPal Credit. Customers should be clearly informed of any changes that could affect their payment arrangements, particularly when those changes may result in missed payments and potential damage to their credit record. I would like this matter investigated and an explanation provided as to why I was not notified of the change to my direct debit arrangements. Reviewed on: 5th June 2026

Great Facility and App

Been a PayPal customer for many years and have had no issues. Very flexible for purchasing and comfortable in the fact you are protected Reviewed on: 5th June 2026

Buy now, Pay later

Good for paying stuff but need to remind a person using it that it's a loan. Keep that in mind by using it, you need to pay it back in order to keep up with the expenses otherwise it will add up and be very expensive to pay back, leading you to debt. Other than that, it's a great way to buy and pay later as long as you don't overuse it during the long term. Reviewed on: 5th June 2026

Very helpful to use and easy to set up

Very helpful to use and easy to set up Reviewed on: 5th June 2026

Fantastic a quick customer service, great competitiv...

Fantastic a quick customer service, great competitive rates, I was able to spread the cost of a large purchase over an affordable term of my choice Reviewed on: 5th June 2026

Quick and easy to use.

Quick and easy to use. Allows control over payments when short before payday.. Reviewed on: 5th June 2026

They are really good at being in contact

They are really good at being in contact and offer a really good credit card. They are really amazing at explaining the credit account, and I use this for my main spending account as they offer such good offers! Reviewed on: 5th June 2026

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