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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181148 reviews)

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4.73

Based on 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th 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 (181148)

Easy to access

Easy to access it and approval decision is very quick Reviewed on: 17th April 2026

I feel very secure using this service when purchasing.

I feel very secure using this service when purchasing. Reviewed on: 17th April 2026

Always works as it should, good service

Always works as it should, good service Reviewed on: 17th April 2026

PayPal Credit has been a really useful financial too...

PayPal Credit has been a really useful financial tool for managing purchases more flexibly. The application process is quick and straightforward, especially if you already use PayPal regularly, and decisions are often made within minutes. One of the biggest advantages is the ability to spread the cost of larger purchases over time. The promotional offers, such as 0% interest on purchases over a certain amount (when paid within the agreed period), are particularly helpful for budgeting without immediately impacting your bank balance. It’s a convenient option when you need to make an essential purchase but prefer not to pay everything upfront. The integration with PayPal itself is seamless. You can choose PayPal Credit as a payment method at checkout with just a click, which makes online shopping much smoother. The interface is clear, and it’s easy to track your balance, transactions, and payment due dates. Customer service has also been reliable, with helpful support available when needed. Payments can be managed easily, and there’s flexibility in how much you repay each month (as long as you meet the minimum requirement). Overall, PayPal Credit is a great option for anyone looking for a simple, flexible way to manage spending, especially for online purchases. As long as you stay on top of repayments and understand the terms, it can be a very convenient and cost-effective financial tool. Reviewed on: 17th April 2026

Always is my go to.

Always is my go to. Never any problems Reviewed on: 17th April 2026

great help to spread cost

Really handy to have and the pay in 3 is a great help for buggeting Reviewed on: 17th April 2026

Great app.

Great app.easy to use and great for purchases Reviewed on: 17th April 2026

Great financial help, products and services

Great financial help, products and services Reviewed on: 17th April 2026

Easy to use on line

I was offered to apply for PayPal Credit as it explained that any items purchased over £99 would be interest free over the first 4 months if paid back in full, after that any remaining balance would revert back to their normal rate, this is brilliant, as unlike pay in 3 you do not have to pay the 1st payment up front. You also get an email to say when the payment is due and you also get emails advising of recent purchases and when the 4 month interest free period is ending. Reviewed on: 17th April 2026

Thank you PayPal

I’ve been a PayPal user for many years and they’ve been there through thick and thin for me. I’ve had refunds when I’ve been disappointed with a product or a service and they helped me when someone was trying to hack my PayPal accounts Thank you PayPal! Reviewed on: 17th April 2026

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