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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148982 reviews)

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4.73

Based on 148,766 reviews, last reviewed 4th Jul 2026

4499750% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use. Really easy to use. I feel safer paying with PayPal and won't buy if that option is not available Reviewed on: 4th July 2026

Latest lowest rating:

2

Can't make separate transfers. Can't make separate transfers. Just direct debit Reviewed on: 4th 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 (148983)

Consumers Budget Assistant

Flexible credit card. Communication is excellent. Easy to see balance, payment due & set up direct debit. Flexibility on payments is straight forward. Extra payments easily made & account updated. Provides consumer protection & customer response is prompt & efficient. At last, a credit card provider who encourages the account holder to budget. Interest free periods a tremendous help. If looking for a credit card that offers all this, apply for PayPal Credit. Highly recommended. Reviewed on: 11th June 2026

My experience with PayPal is great.

My experience with PayPal is great. I've been using the app for quite some time and I highly recommend it. It's incredible and helps me a lot when making purchases. Reviewed on: 11th June 2026

I like the 0% interest offer.

I like the 0% interest offer. It has helped to make some quick purchases without coughing out cash upfront. Application is seamless Reviewed on: 11th June 2026

Paypal is an excellent service and the Pay in 3 opti...

Paypal is an excellent service and the Pay in 3 option is fantastic Reviewed on: 11th June 2026

PayPal credit does have brilliant options if in a pi...

PayPal credit does have brilliant options if in a pinch, with PayPal pay in 3, interest free periods, and standard credit. Also they provide regular assessments on credit limits which is a plus. With interest rates, I do find them to be on the moderate/high side, especially when using the standard credit for larger purchases. Also, it's unfortunate that they don't allow credit transfers from other credit cards, I did want to consolidate my PayPal credit balance to another credit provider but was unable to do so. Overall, they're a good provider, reasonable experience, and the app layout is standard and easy to use, best use is if for short term purchases of which you'd know you'll pay off quickly rather than minimum payments each month. Reviewed on: 11th June 2026

So easy to use, excellent customer service on live c...

So easy to use, excellent customer service on live chat. Reviewed on: 11th June 2026

Paypal offers a good choice of products to help mana...

Paypal offers a good choice of products to help manage your finances. The spilt payment plan and 4month interest free allow total control and for bigger purchases the Paypal Credit is excellent especially when interest free offers are availabe. The only draw back is when you have a 4 month interest free plan which you want to control and pay money directly to on a regular basis, the site no longer offers this ability. It always goes towards the highest interest first. Reviewed on: 11th June 2026

I rely on PayPal and PayPal credit for daily use

I use PayPal credit and PayPal daily and have a really good experience with both platforms. It creates extreme ease of payment and the customer service is always great, especially when having issues with double payments and requiring refunds. PayPal credit has saved me from lots of moments where I cannot afford services and products and it is my go to. Repayments are super easy to organise and I have been using it for over 6 years. Reviewed on: 11th June 2026

Good experience for getting credit when used in the...

Good experience for getting credit when used in the past. Reviewed on: 11th June 2026

Always easy to use, good deals and the app is straig...

Always easy to use, good deals and the app is straightforward too. Reviewed on: 11th June 2026

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