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PayPal: PayPal Credit reviews

View other PayPal products
4.74
Based on 134,673 reviews, last reviewed 11th Jun 2026
3858650% increase in 5 star reviews
in the past 90 days
10800% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Very efficient and straight forward Very efficient and straight forward Reviewed on: 11th June 2026
Rachel D's avatar
Rachel D

Latest lowest rating:

1

Great for everything brilliant use it all the time Great for everything brilliant use it all the time Reviewed on: 11th June 2026
Darren H's avatar
Darren H
Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (134673)

Easy to manage, reliable service.

5
Easy to manage, reliable service. Prefer to use PayPal. Reviewed on: 8th June 2026
Mrs Dear's avatar
Mrs Dear

Service is swift and reliable.

5
Service is swift and reliable. Updates are frequent so you are always updated. I find friends and family transfers quick and easily completed. Brilliant service! Reviewed on: 8th June 2026
Lyn F's avatar
Lyn F

PayPal customer service is superb.

5
PayPal customer service is superb. And enjoy the spreading of the cost for your money. PayPal makes life a lot easier. Reviewed on: 8th June 2026
Graham 's avatar
Graham

I’ve used PayPal for over 20 years and it’s always b...

5
I’ve used PayPal for over 20 years and it’s always been brilliant easy and user friendly. Reviewed on: 8th June 2026
Danielle p's avatar
Danielle p

I’ve never had any problems with the app or the PayP...

5
I’ve never had any problems with the app or the PayPal card I couldn’t be happier Reviewed on: 8th June 2026
David W's avatar
David W

I'm very happy, many thanks but I have problem about...

5
I'm very happy, many thanks but I have problem about direct debit minimum payment, to many times I tried but unfortunately I couldn't Reviewed on: 8th June 2026
Reza f's avatar
Reza f

Excellent as always

5
Whenever I have used PayPal it’s always been extremely easy to use and no hassle. Reviewed on: 8th June 2026
Steve f's avatar
Steve f

Always a happy and easy experience with PayPal!

5
Always a happy and easy experience with PayPal! Made my life so easy Reviewed on: 8th June 2026
Ani Sh's avatar
Ani Sh

I've been using PayPal for around 10 years and PayPa...

5
I've been using PayPal for around 10 years and PayPal Credit for ca 5. PayPal credit is by far the cheapest credit product out there after long term 0% credit cards, with the difference being that the 4 month 0% credit seems to stay on forever. This is hugely advantageous for bigger purchases allowing one to spread the cost of a payment over several months. The account is easy to manage. The only criticism I have is that when one makes a payment it can take 5-6 days before the monies get take nout of the account; I have spoken to PayPal about this and they say it's always the bank's fault, but I do not think this is hte case. I think this is how PayPal is able to charge fees to their customers as £12 is charged if there are not sufficient funds in the account when the payment comes out. I am confused how every other bank (and I am with a large number of them) is able to confirm a transaction within minutes, but for PayPal it takes 5-6 days. It doesn't computer. However, aside from this the product offering is great. Reviewed on: 8th June 2026
MonikaS's avatar
MonikaS

PayPal credit has been a lifesaver.

5
PayPal credit has been a lifesaver for spreading the cost of larger purchases. For instance, my cooker broke and I couldn’t afford the full price upfront. I hadn’t budgeted for a broken cooker that month and PayPal credit was a great option to replace it. I was grateful for the flexibility to pay over time. My experience has always been good. Reviewed on: 8th June 2026
S Nova's avatar
S Nova

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