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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180933 reviews)

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4.73

Based on 180,932 reviews, last reviewed 18th Jul 2026

296% increase in 5 star reviews

in the past 90 days

359% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Brilliant Always use pay pal on a regular basis i use pay in 3 the most described in one word brilliant Reviewed on: 18th July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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.

PayPal PayPal Credit reviews (180933)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Great help

Helped me get my credit back on track Reviewed on: 7th July 2026

I think it took me under 5 minutes to have all my cr...

I think it took me under 5 minutes to have all my credit sorted and then after approval I could just customise it however I liked it Reviewed on: 7th July 2026

I have been with PayPal for more than 10 years and i...

I have been with PayPal for more than 10 years and it’s been amazing Reviewed on: 7th July 2026

Helps with higher bills

Great way to spread costs for bigger bills. Reviewed on: 7th July 2026

Very user friendly experience

Very user friendly experience with clear guidance on fees and payment dates. Reminders for when payments are due are handy and discreet. Fees are reasonable and in line with other providers. Handy to be able to add card straight to online wallets. Reviewed on: 7th July 2026

Great Agents!

PayPal always answer the phone! The agents speak clearly and know their systems. Problems or misunderstandings are cleared up rapidly. In 20 odd years, I've had to call them about four times. Good Job PayPal. Reviewed on: 7th July 2026

Great service.

Great service. Trustworthy. Great feeling of security. Reviewed on: 7th July 2026

Very useful, easy to use service.

Very useful, easy to use service. Comes in very handy for those big and not so big buys. The app is on my phone so it is within easy access. Have used it for my new kitchen which gives me longer to pay. Reviewed on: 7th July 2026

Better offers for interest than reputable banks.

Better offers for interest than reputable banks. Reviewed on: 7th July 2026

The best flexible card - 4 months of 0% freedom

Having the flexibility to pay on credit and automatically be able to spread it over 4 months is a game changer. Not only do you get the protection of a credit card, it gives you the choice to clear your current balance in full for the purchase, or if something comes up, you can decide to pay the following month, or pay over 2 months, or split it into 3 or use the full 4 months for 0%. This is a great way to manage your money. No real drawback compared to other cards either. Some let you balance transfer or money transfer for long periods, but this is great for every day use. The fact it auto applies for payments over £100 and now there's a card version, you can literally use it, whenever, wherever! Top card, definitely one to add to your wallet. Plus, they also do rewards now! Reviewed on: 7th July 2026

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