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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732481290978264626 (144680 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 (144680)

Useful offers, but marred with flaws

Useful 0% for 4 months offers, but PayPal Credit system feels disconnected from other PayPal features/more legacy than the rest of PayPal. Not sure why would you discourage users from using the physical/virtual PayPal Credit Card or checkout option by having it earn less points than the PayPal Debit Card, despite interchange for debit cards being lower. Account management is not simple or fast due to archaic disconnected system, app and website experience not consistent and both are sub par - everything takes days to process or show up, would strongly benefit from a Monzo Flex-like experience merged with Pay in 3 and will position better in market against Klarna etc.. Reviewed on: 14th June 2026

Experience was great every single time

Experience was great every single time Reviewed on: 14th June 2026

PayPal is really easy to use, everything is explaine...

PayPal is really easy to use, everything is explained so that you understand the terms and payment needed, sends reminders so you never miss a payment, the APR is very reasonable, there are no negative things about PayPal, even if you have a problem there online chat is very responsive and helpful 10 out of 10 everyday of the week, well done PayPal. Reviewed on: 14th June 2026

i really enjoy paypal, they make payments really eas...

i really enjoy paypal, they make payments really easy and they set out everything well in my statements. i know how much im supposed to pay and how long it will take me to pay off my balance depending on how much i pay each month Reviewed on: 14th June 2026

Excellent service

Easy website, quick answer, good protection for my data Reviewed on: 14th June 2026

On the few occasions of needing help it has always b...

On the few occasions of needing help it has always been helpful and reassuring Reviewed on: 14th June 2026

Great help for me!

Great help for me! Thankful for having paypal! Reviewed on: 14th June 2026

Great option for delayed payment with no interest (p...

Great option for delayed payment with no interest (pay in full by free interest period ends). Reviewed on: 14th June 2026

Easy to use , super safe payments

Easy to use , super safe payments Reviewed on: 14th June 2026

Convenient and fairly priced.

Convenient and fairly priced. I use PayPal credit to make big work purchases, allowing me to spread costs. It's very convenient to manage via the app and has helped keep my credit score high. Reviewed on: 14th June 2026

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