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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732446875133585281 (144724 reviews)

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4.73

Based on 144,558 reviews, last reviewed 22nd Jun 2026

4308600% increase in 5 star reviews

in the past 90 days

12400% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good service all round This is brilliant for buying bigger things that are needed Reviewed on: 22nd June 2026

Latest lowest rating:

1

Not great experience getting my money back when I wa... Not great experience getting my money back when I was within my right Reviewed on: 22nd June 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 (144724)

Excellent credit Paypal

I don’t have the problem of using paypal no harsh everything is smooth.excellent credit. Reviewed on: 14th June 2026

Easy and reliable quick check out

Easy and reliable quick check out Reviewed on: 14th June 2026

I had money refunded by a seller that was never sent...

I had money refunded by a seller that was never sent to my bank account by PayPal, even after speaking with customer service. Reviewed on: 14th June 2026

PayPal Progress during Cost of Living Crisis

As a couple with a combined moderate income in the United Kingdom and Northern Ireland, we have used PayPal Pay in 3 during the ongoing cost-of-living pressures to handle both essential home improvements and occasional personal purchases. The structure of three equal, interest-free payments when settled on time has allowed us to sequence these outlays without disrupting the rest of the household budget or resorting to higher-cost alternatives. What has been most noticeable is the seamlessness: checkout integrates directly with the retailers we already trust, repayment schedules align predictably with our income rhythm, and there is no upselling or pressure to extend or add services. The protection layer remains available without fanfare, and the majority of the merchants we use accept it without complication. In practice this has meant we can continue measured improvements to our home and maintain small personal expenditures while keeping overall finances orderly. For these reasons we support PayPal Consumer Credit for Best Retail Finance Provider. It does not promise to solve broader economic conditions; it simply removes avoidable friction from the decisions households must still make. That reliability, extended without hidden costs or aggressive marketing, is what earns our vote. Reviewed on: 14th June 2026

Excellent service, helpful advice and great customer...

Excellent service, helpful advice and great customer care. Reviewed on: 14th June 2026

Easy to Use

PayPal is easy to use, and explains things in a very simple way. Even when lending money everything is nice and clear. I like how secure it is as well, I trust it for online payments. Reviewed on: 14th June 2026

Value for money

It has been a very good service that offers value for money, and also very good customer service when any problem arises. Reviewed on: 14th June 2026

Just a really good company to use

Just a really good. You're protected when buying online and the pay in 3 feature is very helpful in a world of never ending price rises. The pay pal debit is great as I get 1 percent cashback Reviewed on: 14th June 2026

On the whole good but difficult to contact someone

On the whole good but difficult to contact someone Reviewed on: 14th June 2026

Easy to access and easier to utilise

Easy to access and easier to utilise Reviewed on: 14th June 2026

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