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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145298 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% 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

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th 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 (145299)

Seems to be good but can be a bit confusing at times

Seems to be good so far sometimes a little confusing but otherwise no real complaints. I don’t have anymore to add but you’ve put a minimum number of characters on this section it would seem which is not a very inclusive way of running a survey Reviewed on: 25th June 2026

Very quick and easy.

Very quick and easy. Good communication from Paypal with interest rates etc. Reviewed on: 25th June 2026

Paypal is my go to payment method

I use PayPal.all the time, I store all my payment cards in there and have just ordered the PayPal card to use as my regular payment method. I feel a sense of security when using PayPal and when retailers do not offer this as a payment option I am somewhat concerned to provide my card details. I am yet to convince my mother to use it, but will keep trying. Reviewed on: 25th June 2026

It was really easy and stress free

It was really easy and stress free Reviewed on: 25th June 2026

When I needed him the first time, he solved the prob...

When I needed him the first time, he solved the problem. Reviewed on: 25th June 2026

Always there when I need them!

Always there when I need them! My absolute ‘go to’ for anything financial. I use PayPal for day to day purchases, credit and pay in 3. Excellent customer service too! Reviewed on: 25th June 2026

Convenient and Flexible

PayPal Credit has been a really handy way to manage larger purchases online. The application process was quick and straightforward, and being able to spread costs over time without immediately impacting my bank balance is a genuine benefit. The 0% interest promotional offers on purchases over a certain amount are a nice touch, and having it integrated directly into my PayPal account makes checkout seamless on pretty much any site. Repayments are easy to manage through the app, and the credit limit offered was reasonable. Overall a solid option if you shop online regularly and want a bit of financial flexibility. Reviewed on: 25th June 2026

I have always had an excellent experience with PayPa...

I have always had an excellent experience with PayPal and PayPal credit. Any disputes are handled in a timely manner and the customer service is always great. The offers available are also good. Reviewed on: 25th June 2026

Excellent service, highly recommended

Excellent service, highly recommended Reviewed on: 25th June 2026

Credit Interest

In terms of credit, I do like the fact that purchases over £100 automatically apply for 4 months interest free, meaning in the event I do want that little extra time to pay off a larger purchase I do have, whilst also being able to just pay it when I feel like it. Reviewed on: 25th June 2026

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