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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176018 reviews)

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4.73

Based on 175,893 reviews, last reviewed 10th Jul 2026

1298% increase in 5 star reviews

in the past 90 days

1240% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is good and reliable and they act as professi... PayPal is good and reliable and they act as professionals they also serve customers in excellence and always standby to help in-terms of difficulty an... Read more Reviewed on: 10th July 2026

Latest lowest rating:

1

Shockingly bad..but they get away with it I have had reason to complain to the Financial Ombudsman regarding this company. Their attitude is we won't follow instructions and when things go wro... Read more Reviewed on: 10th 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 (176018)

Reliable and Convenient Financing

I’ve been using PayPal Credit for over a year now, and it has genuinely made my online shopping experience so much smoother and more flexible. Whether I’m making a big purchase or spreading out payments for something special, it’s been a lifesaver. The application process was incredibly quick and easy – I was approved in minutes without any hassle. What I love most is how seamlessly it integrates with PayPal. I can use it anywhere PayPal is accepted, which is basically everywhere online. The “Pay in 4” option and longer-term financing have helped me manage my budget without stress, especially when I pay on time and avoid interest. Customer service has been responsive whenever I’ve needed help, and the mobile app makes tracking payments and balances effortless. It’s secure, user-friendly, and gives me that extra peace of mind with buyer protection on eligible purchases. If you’re looking for a trustworthy credit option that works hand-in-hand with one of the most popular payment platforms, I highly recommend PayPal Credit. It’s exceeded my expectations and earned a permanent spot in my wallet! Reviewed on: 7th July 2026

Paypal credit

I find PayPal credit really good if having to pay for something that is beyond my monthly budget. It allows me to later pay in full with no interest or make monthly payments over a period of time. Interest rates on paying monthly can be a bit high but the service and ease of use its provides justifies this for me. Reviewed on: 7th July 2026

I’ve had nothinggreat but good positive experience

I’ve had nothing but good positive experience Reviewed on: 7th July 2026

Never had any issues with my account and ive had it...

Never had any issues with my account and ive had it years. No spending problems and no security issues. Ever. Reviewed on: 7th July 2026

Easy to use

Easy to use credit option, widely available and good online account management Reviewed on: 7th July 2026

I've always used PayPal to pay my bills and buy thin...

I've always used PayPal to pay my bills and buy things on line and use there pay in 3 Reviewed on: 7th July 2026

I have used PayPal for years now and happy to contin...

I have used PayPal for years now and happy to continue going forward Reviewed on: 7th July 2026

Good and effective, reliable, easy access

Good and effective, reliable, easy access Reviewed on: 7th July 2026

The service and communication is always excellent.

The service and communication is always excellent. When I needed to talk with someone I didn’t have to wait long. Well done PayPal Reviewed on: 7th July 2026

Brilliant that I can send money to family for meal o...

Brilliant that I can send money to family for meal outcwhen they wouldn't take cash. Great for purchases to spead cost. Like that I can very easily make additiobal payments to bring debt down Reviewed on: 7th July 2026

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