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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168015 reviews)

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4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (168032)

Excellent service from Paypal

PayPal do an excellent service which allows me to buy products which I could not normally afford Reviewed on: 6th July 2026

Paypal company above the rest!

Since I started using PayPal 7 years ago I have built a great relationship with them I hold a credit card and debit card with them they are a company above the rest. They have Never failed me ALWYAS happy to help me and ALWYAS give me the credit I need to make life so much easier thankyou PayPal Reviewed on: 6th July 2026

I have been using pay-pal for over 10 years

I have been using pay-pal for over 10 years and recently have been using their credit facility for my more expensive buys..Excellent service .I cannot recommend them enough..PayPal is safe and secure with no lengthy forms to fill in 5 Stars***** Reviewed on: 6th July 2026

Easy to use .

Easy to use . Can navigate around the app well. Keeps bill paying neat and tidy Reviewed on: 6th July 2026

Best credit card.

Best credit card. Flexible. Good customer servixe Reviewed on: 6th July 2026

PayPal Credit is convenient

PayPal Credit is a convenient financing option for online purchases, especially if you already use PayPal regularly. The application process is straightforward, and the ability to spread payments over time can be helpful for managing larger purchases. The online account management tools are easy to use, and payments can be made quickly through the PayPal platform. Reviewed on: 6th July 2026

Handy for spreading costs, just keep an eye on interest

I've used PayPal Credit for a while now and overall it does what it promises. The biggest plus is how seamlessly it's built into the PayPal checkout, when you're already paying with PayPal, splitting a purchase or pushing it onto credit takes a couple of taps, with no separate card to dig out. The 0% offers on larger purchases are genuinely useful if you're disciplined about clearing them before the promo period ends. The main drawback is the standard interest rate, which is on the higher side, so it's not something you want to carry a revolving balance on long-term. The app makes it easy to see your balance and set up payments, though I'd like clearer reminders about when promotional periods are due to end. For occasional use and spreading the cost of bigger buys, it's convenient and does the job well. Just treat it like any credit product and stay on top of repayments and you'll get the benefit without the sting. Reviewed on: 6th July 2026

A must have to spread the costs of big purchases.

I use PayPal to spread the costs of car components and it makes budgeting so much easier Reviewed on: 6th July 2026

Reliable

Pay pal is my go to really, so easy to use and reliable. Also very secured. Reviewed on: 6th July 2026

Usually quick easy and reliable means ofpa

Usually quick easy and reliable means ofpa Reviewed on: 6th July 2026

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