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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (137039 reviews)

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4.73

Based on 137,039 reviews, last reviewed 12th Jun 2026

3966450% increase in 5 star reviews

in the past 90 days

11050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good PayPal has always been flexible and easy to use. Reviewed on: 12th June 2026

Latest lowest rating:

2

Very disappointed about link bank account and trying... Very disappointed about link bank account and trying to pay my finance bill through PayPal the direct debit never works making me pay extra because it... Read more Reviewed on: 12th 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.

PayPal PayPal Credit reviews (137039)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Dealt with issues quickly and efficiently

Dealt with issues quickly and efficiently Reviewed on: 9th June 2026

Balanced View....

Experience good however the balance sheet is confusing and not easy to understand. Could be laid out better. If high value it doesn't show how much has been paid off afainsy the putchsse. The date for payment is there but no balance. Then there's the transactions for payments. Seems a long delay. Reviewed on: 9th June 2026

Always solve disputes with sellers

Always solve disputes with sellers Reviewed on: 9th June 2026

Flexible repayments provide choice

I have been using PayPal credit for many years and pay for most large purchases via credit as it offers 0% 4 months. This is helpful in the current economic climate. Pay back what you can in affordable payments with minimum payment per month. Can also pay buy direct debit if that is your preferred option for repayment. Plans are flexible. Reviewed on: 9th June 2026

When shopping online if PayPal is an option I always...

When shopping online if PayPal is an option I always use it as it makes me feel my purcahse is safe. I use the credit facility as it is convenient and fits with my ability to pay it back. Reviewed on: 9th June 2026

Having the option to split costs into interest-free...

Having the option to split costs into interest-free payments can take a massive weight off your shoulders and give your budget some breathing room when buying the things you love. It provides a real sense of relief and flexibility when money feels tight.While it is a fantastic tool for managing cash flow, it is always a good idea to keep a few practical guardrails in mind to ensure it stays stress-free in the long run. Reviewed on: 9th June 2026

Easy to manage

Easy to manage money and spread the costs interest free with PayPal credit Reviewed on: 9th June 2026

Always found customer service very helpful.

Always found customer service very helpful. Found PayPal Credit to be very useful and easy to access. Reviewed on: 9th June 2026

Always helpful when you call the payments are clear...

Always helpful when you call the payments are clear and easy to understand they give you a chance to pay off interest free and let you know when that time is ending Reviewed on: 9th June 2026

I’ve used PayPal Credit for spreading the cost of pu...

I’ve used PayPal Credit for spreading the cost of purchases and found it straightforward to use. The application process was simple and payments are easy to manage through the PayPal app. It’s useful for larger purchases, although it’s important to keep track of repayment dates and understand the interest terms. Overall, a convenient credit option when used responsibly. Reviewed on: 9th June 2026

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