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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (173806 reviews)

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4.73

Based on 172,574 reviews, last reviewed 9th Jul 2026

1417% increase in 5 star reviews

in the past 90 days

1386% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

All good no problems. All good no problems. Easy to use interface. Reviewed on: 9th July 2026

Latest lowest rating:

1

I have had one very unpleasant experience with PayPa... I have had one very unpleasant experience with PayPal, they offered no support regardless of an exceptional circumstance and regardless of my excellen... Read more Reviewed on: 9th July 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.

PayPal PayPal Credit reviews (173869)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

Friendly and helpful customer services

Friendly and helpful customer services Reviewed on: 7th July 2026

Long time user of paypal credit.

I have been using PayPal credit for several years now. Its an extremely convenient way to manage your expenses. The fact that it its you an interest free period over a certain amount really helps make more expensive purchases that much easier to deal with. I would definitely recommend. Reviewed on: 7th July 2026

Very quick and easy to use.

Very quick and easy to use. I first used PayPal credit during Covid when cash flow was limited. The service was excellent. Reviewed on: 7th July 2026

PayPal card - great idea

The addition of a physical and Google wallet card for PayPal credit has improved where I can use PayPal, allowing payment where PayPal is not offered as an option. Reviewed on: 7th July 2026

Just an easy and fair way to pay

Just an easy and fair way to pay Reviewed on: 7th July 2026

Always my PayPal use PayPal,easy convenient way to pay

Always use PayPal,easy convenient way to pay Reviewed on: 7th July 2026

Spread the cost. Expand your buying power

Just being able to spread the cost over 3 payments is a massive help. But, the credit card makes my life so much easier Reviewed on: 7th July 2026

So far no complaints.

So far no complaints. Really easy to use and pay off. Gives you extra time to pay for majority of stuff that you can’t afford outright. Makes managing your money do able especially when you can use in majority of shops on and offline. Reviewed on: 7th July 2026

Easy to use and great credit arrangements.

Easy to use and great credit arrangements. Reviewed on: 7th July 2026

At times, the support can feel a little distant or t...

At times, the support can feel a little distant or transactional, rather than fully engaging with me as the customer. While the information and advice provided are often helpful, there are opportunities to create a stronger sense of connection and partnership throughout the interaction. One area for development would be to engage more actively with customers by showing greater curiosity about their individual context, asking more exploratory questions, and tailoring responses to their specific needs and circumstances. Taking a little more time to understand what the customer is trying to achieve, acknowledging their perspective, and checking that the advice meets their expectations would help build rapport and trust. A more conversational and collaborative approach would make the experience feel more personalised and supportive. This could include inviting reflection, checking understanding, summarising key points, and ensuring the customer feels listened to rather than simply receiving information. Small changes in the way conversations are structured could make a significant difference to how valued and supported customers feel. Reviewed on: 7th July 2026

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