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PayPal: PayPal Credit reviews

View other PayPal products
4.90
Based on 78,378 reviews, last reviewed 20th Apr 2026
2543400% increase in 5 star reviews
in the past 90 days
7400% 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

Very consistent. Very consistent. No problems with transactions. Reviewed on: 20th April 2026
Stephen R's avatar
Stephen R

Latest lowest rating:

2

Not the best. Not the best. Always find it difficult to get in touch Reviewed on: 20th April 2026
Paul S's avatar
Paul S
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (78378)

Good customer service.

5
Good customer service. Couple of week ago I had trouble with my PayPal credit transfer, because I tried Paying back my credit owed however, I couldn't whenever I transfer the money it will bounce back to my account causing me to pay late payment fee. So I put a call direct to PayPal customer service and the issue was resolved immediately. Reviewed on: 19th May 2024
Dorothy 's avatar
Dorothy

Very convenient and easy to use making payment when...

5
Very convenient and easy to use making payment when you needed to Reviewed on: 19th May 2024
Anthony s's avatar
Anthony s

Always simple and most people use it

5
Always simple and most people use it Reviewed on: 19th May 2024
Tony W's avatar
Tony W

PayPay can improve .

5
Customer service answers are very delayed. Adițional y PayPal should increase credit limits after a wile. I have nit seen an increase yet and I have the cred for at leat 3 years Reviewed on: 19th May 2024
Michael G's avatar
Michael G

Works very well with online purchases where they acc...

5
Works very well with online purchases where they accept PayPal and you do not wish to provide the details of your cards. Reviewed on: 19th May 2024
A's avatar
A

A quick and efficient decision, I have very positive...

5
A quick and efficient decision, I have very positive impressions, I heartily recommend it to everyone. Reviewed on: 19th May 2024
Maciej S's avatar
Maciej S

Let down by PayPal towards fake seller

4
Payed15£ to return discontinued unsafe skincare product to the other side of the world despite bought from UK seller. Explained the issue to PayPal but was still made to send it back. Eventually the product was returned back to me as the adress the seller provided was not valid. I did not have my return postage cost back.I have opened a case and tried to explain to PayPal that I am being framed by the seller and they are trying to make it expensive for me to return as they have provided Chinese address despite the sender address on the packaging was UK adress. Paypal should have not accepted the fact that I was sent a different return address than the origin of the purchase. I have tried to stop the purchase at first when realised the product is unsafe and the money appeared with chinese symbols I could not recognise and I was overcharged too,but the seller said it was dispatched despite the dispatch info saying in preparation. They have apologised and said they have mistakenly overcharged by 8$ and refunded to me. The seller promised they will help with return once I receive the product as they can not stop the dispatch. After that they have never accepted my request to return instead they were offering 1 then 2 then 3 then 4 $ each time to comensate so I keep the product. making everything to make me keep the product despite it was discontinued and unsafe to use. Paypal ignored this information too. I thought I am secured and have customer rights. But was left to deal with it myself. I was constantly told the seller has responded and gave me return address which doesn't make sende if I sell products from 1 address but at the end of the sale if return demanded I might ask them to return it to Australia just to make it difficult and expensive for the buyer to return which will put them off from returning. It was not fair and I was let down by Paypal . I have also faced technical issues with the app as it kept logging me off when tried to add information on the opened case page. Reviewed on: 19th May 2024
Emel H's avatar
Emel H

Always loving PayPal Credit!

5
Having 4 months perpetually for everything over £99 is extremely convenient. It’s like a normal credit card that has a statement coming out every 4 months instead of every month! What is there not to like! Reviewed on: 19th May 2024
Joni's avatar
Joni

Unlike other credit providers, PayPal understand con...

5
Unlike other credit providers, PayPal understand consumer needs and response with great offering fits for purpose. Reviewed on: 19th May 2024
Rami S's avatar
Rami S

I feel safe using PayPal

4
It offers a very handy amount of credit. Interest rates for long term payback flexibility and safety makes it more preferable. Reviewed on: 19th May 2024
Sugar's avatar
Sugar

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