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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732487064360471141 (144740 reviews)

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4.73

Based on 144,732 reviews, last reviewed 22nd Jun 2026

4316400% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very smooth experience in all Very smooth experience in all. Quick decision. Reviewed on: 22nd June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more 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 (144740)

Fair, cost effective and a life saver!

I've had PayPal for many years and I wouldn't know what I would do without it. As long as you keep up your monthly payments it's a great thing that allows you to purchase the things you can't afford to pay in full upfront. Fees are fair and customer service is quick and efficient. On the rare occasion I've had to dispute a payment with a seller. PayPal follow the process fairly for both parties. Reviewed on: 17th April 2026

Flexible payment options

Good to have paying 3 options and 0% for large purchase Reviewed on: 17th April 2026

Paypal credit - saviour of the cost of living crisis

Paypal credit help me purchase things that I want with a reasonable time scale to pay for it. With the cost of living crisis, I found paypal to be the best way to still get these things without going over budget! Reviewed on: 17th April 2026

Never had any issues to report, process is always se...

Never had any issues to report, process is always seamless Reviewed on: 17th April 2026

Stress free purchases

Never had an issue with PayPal. Makes my shopping experience stress free. Reviewed on: 17th April 2026

Need to be more flexible with payments like Argos do...

Need to be more flexible with payments like Argos do with buy now pay later and lower apr . Reviewed on: 17th April 2026

Great Experiences

Great experiences, always a pleasure to have and use. Reviewed on: 17th April 2026

PayPal credit is amazing

PayPal credit is amazing - their customer service team are excellent - they are there straightaway - no emails saying we will contact you within 72 hours - they help you and explain the answer to your query in lay mans terms so you can understand Reviewed on: 17th April 2026

It's a brilliant way to manage my money resauses.

It's a brilliant way to manage my money resauses. Highly recommend this service. Reviewed on: 17th April 2026

Very easy to use, great credit facilities.

Very easy to use, great credit facilities. Reviewed on: 17th April 2026

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