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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146230 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th 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 (146230)

Great experience

Rate are a lot cheaper than elsewhere payments are easy and straight forward to set up. Reviewed on: 19th April 2026

Great Experience

User friendly, clearly laid out app, great credit options, friendly and helpful customer service Reviewed on: 19th April 2026

Great at helping when things dont go to plan.

I have always had good experiences when things go wrong and have to claim my payment back. PayPal is excellent dealing with this. Reviewed on: 19th April 2026

I find PayPal the best way to pay online.

I find PayPal the best way to pay online. I was accepted for PayPal credit, which helps me spread the cost - very helpful in the current financial climate. Reviewed on: 19th April 2026

Helpful customer service, quick response to issues w...

Helpful customer service, quick response to issues with payment and refunds Reviewed on: 19th April 2026

Direct debit and fees

I have struggled to set up a direct debit. I cannot register my bank account with PayPal for some reason. Also APR is very high and could be looked at. Reviewed on: 19th April 2026

Ease of use

Easy to use and a nice back up of credit when needed Reviewed on: 19th April 2026

Always easy to deal with, sometimes it’s hard to cal...

Always easy to deal with, sometimes it’s hard to call the customers service Reviewed on: 19th April 2026

Used paypal for years

Used paypal for many years and had a very satisfying experience. Reviewed on: 19th April 2026

Excellent experience, never had issue.

Excellent experience, never had issue. Reviewed on: 19th April 2026

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