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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181143 reviews)

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4.73

Based on 181,143 reviews, last reviewed 4th Sep 2026

16% decrease in 5 star reviews

in the past 90 days

7% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It’s been miraculous. It’s been miraculous. Just what I needed. Reviewed on: 4th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181143)

My experience with PayPal has been largely positive,...

My experience with PayPal has been largely positive, though not without a few frustrations. Overall, it’s a convenient and widely accepted platform that makes sending and receiving money straightforward, especially for online transactions. One of the biggest advantages is how easy it is to use. Setting up an account is simple, and linking a bank account or card takes only a few minutes. Once everything is connected, payments can be made quickly without needing to repeatedly enter financial details, which saves time and adds a layer of security. PayPal is also useful for international transactions. It supports multiple currencies and is accepted by many websites and freelancers around the world. This makes it a practical option for both personal use and business purposes. The buyer protection feature is another strong point, offering reassurance when purchasing from unfamiliar sellers. However, there are some downsides. Transaction fees can add up, particularly for international payments or business accounts. Currency conversion rates are not always the most competitive either. In some cases, account limitations or holds can occur, which can be frustrating if funds are needed urgently. Customer support, while available, can sometimes feel slow or unhelpful depending on the situation. In conclusion, PayPal is a reliable and convenient payment platform that excels in ease of use and global accessibility. While fees and occasional account issues can be drawbacks, it remains a solid choice for everyday online transactions. Reviewed on: 18th April 2026

I love the 0% interest offer for 4 months on larger...

I love the 0% interest offer for 4 months on larger purchases. It’s a great way to spread out costs without extra fees. Simple to manage through the app! Reviewed on: 18th April 2026

Monzo declined

Unfortunately it doesn’t allow me to connect my bank to automatically transfer to my PayPal which has unfortunately resulted to miss payments. I now have to set reminders on pay day to pay it off. If this feature could be resolved by approving bank ( monzo ) it would be better for me personally Reviewed on: 18th April 2026

Outstanding service, and I’ll definitely be recommen...

Outstanding service, and I’ll definitely be recommending it to others. Reviewed on: 18th April 2026

PayPal is the best service for all your needs for sm...

PayPal is the best service for all your needs for small purchases to big, to protecting you when you buy from the unknown and the excellent customer service you receive from them, I would highly reccomend PayPal to everyone for everything. 11/10 Reviewed on: 18th April 2026

Experience fantastic very flexible can be trusted

Experience fantastic very flexible can be trusted Reviewed on: 18th April 2026

Great all round

Always good service and the experience of using pay pal is always easy .easy-to-use and efficient and easy payment system Reviewed on: 18th April 2026

Excellent service.

Excellent service. Very easy to use and understand on the app Reviewed on: 18th April 2026

Easy payments

Been using PayPal for years now and find it easy for payments. The pay in 3 is useful for spreading payments and the credit card is good for larger payments over £99 being interest free for 4 months. Never had any problems. Reviewed on: 18th April 2026

easy, smooth, stress free, Love it

easy, smooth, stress free, Love it Reviewed on: 18th April 2026

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