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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149100 reviews)

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4.73

Based on 149,044 reviews, last reviewed 5th Jul 2026

4512250% 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

I have used Paypal for over 10 years and I cant faul... I have used Paypal for over 10 years and I cant fault this app, it is the best and very secure. Great customer service Reviewed on: 5th July 2026

Latest lowest rating:

2

Uses a hard search on your credit score and doesn’t... Uses a hard search on your credit score and doesn’t make it easy to pay off your debts Reviewed on: 5th 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 (149100)

Absolutely brilliant customer service and refund pro...

Absolutely brilliant customer service and refund process Reviewed on: 2nd July 2026

Bit slow but better than usual not so good

Bit slow but better could be better could try harder Reviewed on: 2nd July 2026

Since I've had PayPal I've been able to buy items an...

Since I've had PayPal I've been able to buy items and spread to cost. I've never had a problem using PayPal always had a first class service. Reviewed on: 2nd July 2026

Was accepted with no issues but previously rejected...

Was accepted with no issues but previously rejected with no feedback as to why so can be a bit confusing Reviewed on: 2nd July 2026

Got credit for a pixel 10 phone, easy to set up dire...

Got credit for a pixel 10 phone, easy to set up direct debit, terms pretty clear. Reviewed on: 2nd July 2026

PayPal Credit Just Got Better

For a long time, PayPal Credit has been one of the most convenient ways to spread the cost of purchases. One of its biggest advantages is the option to pay over four months interest-free on eligible purchases, making it a flexible alternative to many traditional credit cards. The main limitation was that it was designed primarily for online shopping through PayPal. That meant you could not simply walk into a shop and use your PayPal Credit balance for everyday purchases. With the introduction of the new physical PayPal Credit card, that has changed. You can now use your PayPal Credit in stores wherever Mastercard is accepted, making it much more practical for daily spending. Whether you are buying groceries, electronics, or paying at a local retailer, the same credit line is now available in person as well as online. In my opinion, this is a significant improvement. It gives users much more flexibility without changing the core benefits of PayPal Credit. The four month interest free offer on eligible purchases remains one of its strongest features, provided the terms are met and payments are made on time. Overall, the new PayPal Credit card makes the service far more useful than before. It combines the convenience of PayPal with the everyday usability of a traditional credit card, giving customers more choice in how and where they spend. Reviewed on: 2nd July 2026

Pay in 3 is really good

Always flexible and the pay in 3 is really helpful Reviewed on: 2nd July 2026

Easy to use.

Just so easy to set up and use. I haven’t had to get in contact with customer service so can’t comment on that. Reviewed on: 2nd July 2026

Fantastic service by PayPal.

Fantastic service by PayPal. Customer service 10/10 Reviewed on: 2nd July 2026

PayPal credit is great...

PayPal credit is great, it gives you the flexibility of spreading purchases over a period of time and the app is easy to use. You also get payment reminders and can set up direct debit for repayments or pay at your own will Reviewed on: 2nd July 2026

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