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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)

Simple and effective means to secure short term credit.

Simple and effective means to secure short term credit. Brilliant service so far. Reviewed on: 16th April 2026

Customer Service Help

I've had to phone the call centre on two separate occasions for clarity regarding credit balance and payment. Both times the rep was professional and informative. I can't fault the help provided. Reviewed on: 16th April 2026

Great for pay in 3 interest free

Great for pay in 3 interest free Reviewed on: 16th April 2026

I’m really unhappy with how PayPal Credit operates.

I’m really unhappy with how PayPal Credit operates. Customers should be able to choose which purchases their payments go toward, especially when different transactions have different interest rates. Instead, PayPal decides how payments are allocated, which can leave higher-interest balances building up unnecessarily. What’s even more concerning is that when a customer opens a dispute, it may be reflected on their credit file. This creates fear around using buyer protection, as people may worry it could affect their credit score. Customers should not feel penalised for raising genuine disputes. It raises the question — are people being discouraged from using PayPal Credit due to fear of credit impact? Overall, there needs to be more transparency, fairness, and control for customers. Reviewed on: 16th April 2026

Paypal - Paying for peace of mind

Have used PayPal for sometime now. It’s my favored source of funding and I like the reassurance the PayPal offers users. Reviewed on: 16th April 2026

Never had an issue.

Never had an issue. Great customer service. Great android and ios application Reviewed on: 16th April 2026

Fast secure and worry free every time

Pay provides a service that exceeds a customer satisfaction. A payment pal that never lets you down Reviewed on: 16th April 2026

If I have to speak to your staff they are so helpful...

If I have to speak to your staff they are so helpful friendly and polite first class service Reviewed on: 16th April 2026

I have got my paypal account for 10 years and really...

I have got my paypal account for 10 years and really I am happy with the customer service Reviewed on: 16th April 2026

Excellent credit provider helped me so much over years

If ever I need help they happily explain anything overtime phone really appreciate it Reviewed on: 16th April 2026

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