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PayPal: PayPal Credit reviews

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4.90
Based on 72,880 reviews, last reviewed 17th Apr 2026
2034500% increase in 5 star reviews
in the past 90 days
5700% 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

I wholeheartedly trust PayPal. When I had a query I found the customer service team excellent. I love PayPal because I trust it wholeheartedly so therefore feel very confident about... Read more Reviewed on: 17th April 2026
Sara T's avatar
Sara T

Latest lowest rating:

1

Breaching FCA rules to force interest charges ​PayPal is refusing to honor my legal right of appropriation under FCA CONC 6.4.2. I have provided funds and clear instructions to settle a 0% promoti... Read more Reviewed on: 16th April 2026
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TA
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (72880)

Great service all the time

5
Paypal makes it so easy to pay for purchases. I love that you can spread larger purchases over time and also the buyers protection. Great service Reviewed on: 8th July 2022
adenike olukoa's avatar
adenike olukoa

Accepted for once :)

4
I'm happy with PayPal Credit as one of the few lenders that would actually accept me. It has really helped me with larger purchases I can't afford outright due to being on a low NHS wage. Reviewed on: 8th July 2022
Lucy W's avatar
Lucy W

Easy to use and excellent features

5
Paypal credit is easy to use and very clear on the terms and conditions. This makes it easy to stay in control of my finances when I might need a little help with a purchase. Reviewed on: 8th July 2022
Mark Jones's avatar
Mark Jones

Excellent credit facility

5
Paypal credit always comes in handy, with reasonable APR rates. Customer service when you need them is first class! Reviewed on: 8th July 2022
Yinka Oni's avatar
Yinka Oni

Excellent service

5
PayPal credit has come in handy and the service you get is amazing, would highly recommend Reviewed on: 8th July 2022
Barrie's avatar
Barrie

This is amazing!

5
I love shoping with paypal credit, the best ever! Reviewed on: 8th July 2022
Monia's avatar
Monia

The best

5
Pay in 3 provides flexibility and I love how I can plan my finances Reviewed on: 8th July 2022
Haarika Kanajam's avatar
Haarika Kanajam

Bog Standard -

3
PayPal credit is a big standard “credit card” It’s works how it should , you’re given X credit limit and you can use it: The problem is there is virtually no customer service with this product. Whilst it works like a credit card , the behind the scenes stuff is poor, from not being helpful on charge backs, not being able to request a larger credit limit and almost no information on it. It’s clear to me that PayPal is a payment provider that just so happens to provide credit . It’s supplemental to their main income and they treat it as such. It’s a side project for them. Don’t expect professional informative information Reviewed on: 8th July 2022
Matt James's avatar
Matt James

best service

5
Always best service, quick and good attention for the customer necessities. Reviewed on: 8th July 2022
Sara de Souza's avatar
Sara de Souza

Brilliant and easy

5
Great interface and super easy to use. It’s my go to option. Reviewed on: 8th July 2022
Sarah Schuh's avatar
Sarah Schuh

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