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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168174 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 (168194)

Always attentive professional .

Always attentive professional . Good experience helpful and kind Reviewed on: 19th May 2024

Never had a problem with PayPal credit

Never had a problem with PayPal credit Reviewed on: 19th May 2024

Helpful for spreading cost on products you order.

Helpful for spreading cost on products you order. Reviewed on: 19th May 2024

PayPal Credit and Pay in 3 are fantastic tools for m...

PayPal Credit and Pay in 3 are fantastic tools for managing finances and making purchases more accessible. PayPal Credit: PayPal Credit offers me a digital line of credit with six months of no interest on purchases over a certain amount if paid in full within that period. The application process is quick, and its integration with PayPal allows use at numerous online retailers. The account management tools are also user-friendly. Pay in 3 Pay in 3 lets me split purchases into three equal, interest-free monthly payments, making it easier to manage medium-sized purchases without immediate financial strain. The checkout process is seamless, with no fees or interest charges. Improvements Customer Service: Enhancing responsiveness and support could improve the my user experience. Transparency of Terms: Simplifying terms and providing clear explanations would help me understand the services better. Credit Limit Increases: A more transparent process for credit limit adjustments could boost my satisfaction. Payment Flexibility: Offering customisable payment dates for PayPal Credit could cater to varied financial situations. Overall, these features are valuable for flexible payment options, and with a few enhancements, i think they could be even more beneficial. Reviewed on: 19th May 2024

Credit for rainy day

It's good for rainy day credit helps to buy essential stuff we need urgently Reviewed on: 19th May 2024

Paypal credit is amazing!

I have been using paypal credit for 2 years now and honestly i love it! Its so helpful when making necessary purchases but cannot afford it at the time. It gives you the flexibility of paying it off in 4 months without paying any interest. I use it all the time and dont know what i would do without it!! Would deffo recommend Reviewed on: 19th May 2024

Great and secure way to pay.

Great and secure way to pay. I always use it to buy things online Reviewed on: 19th May 2024

Good credit company

Not had any issues compared to other companies. Good value Reviewed on: 19th May 2024

I have used Paypal Credit for various expensive purc...

I have used Paypal Credit for various expensive purchases from a holiday to New York to a Samsung phone and LG laptop. This has allowed me to spread the cost of purchases with fantastic 0% finance offers and a generous credit limit. I am sure I will continue to enjoy their services for years to come! Reviewed on: 19th May 2024

PayPal credit always has great offers

PayPal credit has always had an offer suitable for my purchases and have always been extremely helpful whenever I have needed to contact them Reviewed on: 19th May 2024

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