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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145662 reviews)

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4.73

Based on 145,629 reviews, last reviewed 27th Jun 2026

4357200% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Handy and easy So easy and flexible to use -makes budgeting a breeze Reviewed on: 27th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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.

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PayPal PayPal Credit reviews (145662)

Excellent, user friendly option.

Very user friendly. Simple to manage from the comfort of my home. Easy to apply for, super quick response. Convenient to use especially when purchasing online. I can keep track of all the transactions, credit limit, balances etc within my PayPal account. I get free credit for the first 4 months on larger purchases. Best of all I get email reminders in advance of payments being due which means I can easily stay on track. Reviewed on: 10th June 2026

Always had great experience using PayPal

Always had great experience using PayPal Reviewed on: 10th June 2026

Fantastic, customer service are brilliant, it’s supe...

Fantastic, customer service are brilliant, it’s super easy to use. Reviewed on: 10th June 2026

When contacing customer services by phone they are e...

When contacing customer services by phone they are extremley prompt and very understanding of your enquiry, however the interest rates could be lower in comparision with competitors, but overall a good relaible operation. Reviewed on: 10th June 2026

PayPal has made it so I don't have to have my card d...

PayPal has made it so I don't have to have my card details everywhere - I always feel protected when I pay with PayPal too. Reviewed on: 10th June 2026

Easy to use adding additional safety to online purch...

Easy to use adding additional safety to online purchases Reviewed on: 10th June 2026

Great simple, and secure

Great platform, very useful, and simple to use, Much easier than bank transferring... Simple yet secure sign in. could do work with their customer service, easier to access human agents, and quicker responses, less automated and more natrual. and disputes are decently easy to make... overall good service I'm not sure what I would do without Reviewed on: 10th June 2026

Always very easy to use, direct debits are simple &...

Always very easy to use, direct debits are simple & if there’s ever any issues with purchases they’re seen too very swiftly. Reviewed on: 10th June 2026

Easy to set up the credit application.

Easy to set up the credit application. Payments go out by direct debit so I never miss a payment. Reviewed on: 10th June 2026

Excellent Service and Flexible Credit Option

I've been using PayPal and PayPal Credit for several years and have always had a very positive experience. The service is easy to use, secure, and widely accepted by online retailers, which makes shopping much more convenient. PayPal Credit has been particularly helpful for larger purchases, allowing me to spread the cost when needed and manage my finances more effectively. The application process was straightforward, and the account is easy to monitor through the PayPal app and website. I've found customer service to be responsive whenever I've needed assistance, and I appreciate the additional buyer protection that PayPal offers. The flexibility, security, and convenience make PayPal Credit a valuable financial tool that I use regularly and would happily recommend to others. Reviewed on: 10th June 2026

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