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PayPal: PayPal Credit reviews

View other PayPal products
4.73
Based on 137,611 reviews, last reviewed 13th Jun 2026
3992750% increase in 5 star reviews
in the past 90 days
11150% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Easy access to credit card via app really helps Easy access to credit card via app really helps Reviewed on: 13th June 2026
Benard D's avatar
Benard D

Latest lowest rating:

1

very high interest rate. very high interest rate. I can't wait to pay off my debts and delete the PayPal application Reviewed on: 13th June 2026
Georgi G's avatar
Georgi G
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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 (137611)

Customer service PayPal

5
I have no problem since I joint PayPal fo any transactions. Reviewed on: 14th April 2026
FJ's avatar
FJ

From shopping to sending money, PayPal does it all e...

5
From shopping to sending money, PayPal does it all effortlessly. It’s the one app I know I can always rely on. Reviewed on: 14th April 2026
S C's avatar
S C

Smooth and simple credit experience

5
The application process for PayPal Credit was quick and straightforward, and everything was clearly explained. I found it easy to manage payments through my PayPal account, which made tracking spending convenient. Overall, the experience has been reliable and user-friendly, though I would appreciate slightly more transparency on credit limit increases and eligibility updates. Reviewed on: 14th April 2026
Raiyan's avatar
Raiyan

Annoying credit card.

2
I really hate the way that PayPal has an Insidious way of tricking people in to taking out credit. I've tried to close the credit card element but there is no obvious way to do this. If you look for help, it seems to be AI. Even if you set it up for default to balance, it still somehow let's you put things on credit. One doesn't realise they have put things on credit and run the risk of interest. I have now set this to pay off in full each month. PayPal is such a good service apart from this annoying element. Reviewed on: 14th April 2026
Eleanor's avatar
Eleanor

Good back up when things go wrong

5
Good back up when things go wrong Reviewed on: 14th April 2026
Simon V's avatar
Simon V

Top notch payment system

5
Been using PayPal for a long time and they just make life easier. The 0% interest on purchases over £99 for 4 months makes things so much more accessible. Reviewed on: 14th April 2026
Jamie H's avatar
Jamie H

I live PayPal for pay in 3, easy to use and easy to...

5
I live PayPal for pay in 3, easy to use and easy to access including cr card Reviewed on: 14th April 2026
Lisa J's avatar
Lisa J

I have not had an issue with PayPal credit and have...

5
I have not had an issue with PayPal credit and have used quite a lot Reviewed on: 14th April 2026
David D's avatar
David D

Excellent company

5
PayPal is excellent for purchasing , I love the buy now pay in 4 gives me the flexibility to buy and spread the payments , I have now got the credit card and the PayPal debit card and rate their service top notch , any issues are sorted straight away and they can’t do enough for you Reviewed on: 14th April 2026
Matthew Townsend's avatar
Matthew Townsend

Good all round service but not easy to get hold of c...

4
Good all round service but not easy to get hold of customer service when needed Reviewed on: 14th April 2026
Katie 's avatar
Katie

Review PayPal: PayPal Credit now

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