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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181165 reviews)

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4.73

Based on 181,165 reviews, last reviewed 31st Oct 2026

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

I’ma normal but prize winner I’ma normal but prizes winning in short Reviewed on: 31st October 2026

Latest lowest rating:

1

PayPal Credit: An Absolute Shambles I genuinely cannot believe how utterly incompetent PayPal Credit is. For a company that's been around for most of my life, you'd think they'd have man... Read more Reviewed on: 31st October 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.

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181165)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

I’ma normal but prize winner

I’ma normal but prizes winning in short Reviewed on: 31st October 2026

PayPal Credit: An Absolute Shambles

I genuinely cannot believe how utterly incompetent PayPal Credit is. For a company that's been around for most of my life, you'd think they'd have managed to drag their systems into the 21st century by now. Apparently not. Let's start with the **Current Account Switch Service (CASS)**. I switched bank accounts, and every single one of my 20-odd other Direct Debits transferred across without a problem. Every company managed it. Except, of course, PayPal Credit. Because their outdated systems apparently can't cope with CASS, my Direct Debit failed, and I was rewarded with a late payment fee for the privilege. Brilliant. Even better, their own customer service acknowledged that their system was outdated and wasn't capable of handling the switch properly. Yet somehow, that's the customer's problem to deal with and pay for. Then there's their **ridiculous Direct Debit system**. You arrange for a payment to be taken on a particular date, yet it can take days for the money to actually leave your bank account. What's the point of setting a payment date if the system can't reliably operate around it? And don't even get me started on their so-called customer service. Trying to speak to someone who actually understands your problem is an absolute nightmare. Instead, you're passed around by useless chatbots that haven't got the faintest idea what you're talking about. It's genuinely infuriating. But the icing on the cake came after the Direct Debit issue. **PayPal Credit then lumped all my purchases together, resulting in me losing my promotional payment deals.** So not only was I charged a late payment fee because their system couldn't handle a standard bank switch, I also lost the promotional arrangements I'd originally taken out. To put this into perspective, **I haven't missed a payment on any of my financial accounts for approximately 15 years.** Fifteen years of maintaining an excellent payment record, only for PayPal Credit's incompetence to potentially leave a mark on my credit file. Thanks very much for that. The whole experience became so frustrating that I eventually decided I'd had enough. I took out a personal bank loan specifically to clear my PayPal Credit balance so I could close the account and never have to deal with them again. Imagine a financial service being so dreadful that taking out a separate loan feels like the better option. **PayPal, you've been around for decades. There is absolutely no excuse for systems this outdated, customer service this poor, or customers being financially penalised for your own shortcomings.** After years of managing my finances responsibly, this has been without question one of the worst experiences I've ever had with a financial company. **My advice? Avoid PayPal Credit like the plague.** An absolute shower of shites. Never again. Reviewed on: 31st October 2026

I like to use PayPal credit it’s a convenient and fl...

I like to use PayPal credit it’s a convenient and flexible way to pay in instalments Reviewed on: 29th October 2026

my favourite tool, it s so easy to use it and fast a...

my favourite tool, it s so easy to use it and fast and reliable Reviewed on: 28th October 2026

Always works and safe.

Always works and safe. I am confident when useing paypal. Reviewed on: 23rd October 2026

I have always had very good experience using PayPal,...

I have always had very good experience using PayPal, I can trust my money is safe. Reviewed on: 15th October 2026

Happy to use pay in 1 month time

I've ordered an item on buy now play next month. I'm so glad that Paypay has this option to pay in a month's time. Reviewed on: 14th October 2026

The customer service team provides exceptional suppo...

The customer service team provides exceptional support through an efficient process Reviewed on: 13th October 2026

PayPal credit card is Ace

Easy to apply for, easy to link to Apple Pay and easy to understand. Reviewed on: 10th October 2026

Paypal Credit has added value to my Finances

Paypal credit is one of the best options available in the credit market. Having lower credit limit allow me to be concious on my sepending and also points eanred on every spend is a bonus. Easy and hassle free Reviewed on: 10th October 2026

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