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PayPal: PayPal Credit reviews

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4.90
Based on 76,872 reviews, last reviewed 19th Apr 2026
2402800% increase in 5 star reviews
in the past 90 days
6900% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Brilliant as always very safe, quick service and exc... Brilliant as always very safe, quick service and excellent customer service should you have a query Reviewed on: 19th April 2026
Smcs's avatar
Smcs

Latest lowest rating:

2

Not transparent at all. Not transparent at all. Vague statements, suspicious disconnects from customer support, Reviewed on: 19th April 2026
Greg W's avatar
Greg W
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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 (76872)

Excellent customer service but be wary of payments

2
The customer agents are excellent but the application of payments leaves alot to be desired. Often we've found they will credit payments against 0% offers, leaving the high interest ones to accrue even more interest. They don't seem to follow logic even if the 0% debt is newer, or on a monthly repayment schedule over x months. It all feels a bit underhand really. If you call they can normally reallocate a payment, but you shouldn't have to call. Basically, if you have something on a 0% offer, it's safest not to use PayPal credit for anything else until it's paid up. Reviewed on: 24th May 2024
Daniel C's avatar
Daniel C

Decent Credit Provider

5
Decent credit ~ customer support lacking but 3 months interest free is good. Reviewed on: 24th May 2024
Zoe 's avatar
Zoe

Thumbs Up for Paypal App

5
Very easy to manage your finances with the Paypal App and keep track of your expenses Reviewed on: 24th May 2024
Pav B's avatar
Pav B

Very flexible in their approach

5
Very flexible in their approach and help to spread the cost of items bought Reviewed on: 24th May 2024
Harjit Singh's avatar
Harjit Singh

Excellent integration with eBay

5
Buying through eBay with PayPal has become my preferred method to spread the cost and instalments. Reviewed on: 24th May 2024
Michael M's avatar
Michael M

Just think there a really good company use PayPal mo...

5
Just think there a really good company use PayPal mostly when i shop on line as its safe never no problems. Reviewed on: 24th May 2024
Maria m's avatar
Maria m

Handy, simple and effective.

5
Handy, simple and effective. I never have to worry about security, everything is clearly stated on my bill, reminders of up coming payments are always there and I feel hopeful for the future regarding credit scores and buying a house because pay pal has made it seem manageable. Reviewed on: 24th May 2024
Bobii R's avatar
Bobii R

Always like the emails.

5
Always like the emails telling me that a payment is due. Saves me from keeping an eye on the account. Reviewed on: 24th May 2024
David 's avatar
David

Does a job

4
Easy to use, functional and flexible. Maybe not the best rates available but integration into PayPal checkout makes it convenient to use. Reviewed on: 24th May 2024
Scott's avatar
Scott

Great customer resolution service

5
Any issues as a buyer / customer have always been resolved in a timely manner, staff I speak with are always polite and efficient and good communicators. Reviewed on: 24th May 2024
Luca Z's avatar
Luca Z

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