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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181011 reviews)

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4.73

Based on 181,001 reviews, last reviewed 22nd Jul 2026

207% increase in 5 star reviews

in the past 90 days

257% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPalplus is amazing Ease of use and the PayPal+ really makes it worth having. It’s paid for a good few small purchases of eBay and feel like am getting something back. Reviewed on: 22nd July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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.

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PayPal PayPal Credit reviews (181011)

All good!

All good!!!! Professional service and easy to use. Reviewed on: 26th April 2026

4 months 0% interest

It’s incredibly useful to have 4 months at 0% interest on every purchase or to make instant money transfers effortlessly simply by using a phone number or email address. PayPal Credit offers a flexible, quick, and convenient way to manage spending and send funds without the hassle of traditional bank details. Reviewed on: 26th April 2026

Free cash just for using their card!

Loving the fact I can earn points as I spend Reviewed on: 26th April 2026

I had some issues with PayPal credit customer servic...

I had some issues with PayPal credit customer service I feel they didn't help me was quick to try enforce as my payment was late due to payment date from my job was late I think the interest is high & fees it has helped me purchase things looking forward to paying it off Reviewed on: 26th April 2026

The best credit online

It's easy to pay for online shopping and safe and good customer service Reviewed on: 26th April 2026

Amazing !

Amazing service and well managed Reviewed on: 26th April 2026

I’ve been using PayPal for ages, but honestly, their...

I’ve been using PayPal for ages, but honestly, their 0% interest offer on purchases over £99 is the main reason I keep coming back. It’s such a lifesaver when you need to buy something a bit more expensive, like a new phone or a sofa, because it automatically gives you 4 months to pay it off without any extra fees. Most places make you sign up for a specific plan, but with PayPal, it just kicks in whenever you spend over the limit. It’s definitely my favorite way to handle bigger spends without the stress of immediate interest. Reviewed on: 26th April 2026

Impossible to get any human help.

Impossible to get any human help. Only interested in buyers and seller are not protected Reviewed on: 26th April 2026

It is a very easy to use application.

It is a very easy to use application. It is also very safe. Easy to access. Which helps you a lot. Reviewed on: 26th April 2026

Responsible Lender.

Very well organised, vetted throughly before providing credit, a very responsible lender. Reviewed on: 26th April 2026

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