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PayPal: PayPal Credit reviews

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4.90
Based on 109,568 reviews, last reviewed 18th May 2026
2708250% increase in 5 star reviews
in the past 90 days
7950% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Stretch your cash with paypal Pre approved so no worry about making a purchase. Live the pay in 3 or 4 months interest free options Reviewed on: 18th May 2026
Paul 's avatar
Paul

Latest lowest rating:

1

PayPal doesn’t look after customers and the policy... PayPal doesn’t look after customers and the policy needs re-wording Reviewed on: 17th May 2026
Paul B's avatar
Paul B
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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 (109568)

They are very unclear in communication and in the app.

3
They are very unclear in communication and in the app. I was also unable to set up a direct debit and then charged for the direct debit not going through. Reviewed on: 15th May 2026
Etta's avatar
Etta

Using PayPal credit is quick and user-friendly.

5
Using PayPal credit is quick and user-friendly. Being integrated into many purchasing platforms makes paying online easy and efficient, whilst its protections offer peace of mind even for larger transactions. Its interest rates are competitive, and its user interface means it's easy to find out more information about my account. Reviewed on: 15th May 2026
Rob D's avatar
Rob D

PayPal credit are fair and easy to use.

4
PayPal credit are much fairer than other credit companies and paying off your credit debt is much easier as they don't add on loads of interest straight away. Reviewed on: 15th May 2026
Jody H's avatar
Jody H

Perfect app set up and payment options.

5
Perfect app set up and payment options. All clear and easy to understand Reviewed on: 15th May 2026
Dan G's avatar
Dan G

peace of mind

4
Good for peace of mind and convenient, not having to enter your card details on multiple sites. Reviewed on: 15th May 2026
Chris D's avatar
Chris D

I’ve been using PayPal for several years, and it has...

5
I’ve been using PayPal for several years, and it has consistently been one of the easiest and most reliable payment platforms for online transactions. The interface is user-friendly, payments are processed quickly, and I appreciate the added layer of security when shopping online. Sending and receiving money is simple, and the buyer protection feature gives extra peace of mind when making purchases from unfamiliar sellers. Another thing I like about PayPal is how widely accepted it is across websites and businesses worldwide. Linking a bank account or card is straightforward, and the mobile app makes managing transactions very convenient. Overall, PayPal is a trustworthy service that makes online payments fast, secure, and hassle-free. Reviewed on: 15th May 2026
Benjamin D's avatar
Benjamin D

Pay pal is easy to use and safe and I use it all the...

5
Pay pal is easy to use and safe and I use it all the time to make purchases with time to pay of balance Reviewed on: 15th May 2026
Terry A's avatar
Terry A

Best short-term line of credit I know

5
Really convenient way to fund purchases over £100 with zero interest (if you repay within 4 months). Honestly the best method for short-term credit options. Slightly better option than the standard pay-in-3, but you have more flexibility to pay your desired instalment amount. Just make sure you pay the balance before the 0% interest offer runs out. Combined with the PayPal Credit card, I can also take advantage of PayPal Credit, even if the retailer doesn't accept PayPal! Reviewed on: 15th May 2026
Emma R's avatar
Emma R

An excellent way to pay..

5
An excellent way to pay on eBay and other merchants with excellent security Reviewed on: 15th May 2026
Alan S's avatar
Alan S

I love using PayPal.

5
I love using PayPal.I have recommended paypay checkout to all my family and friends. Its nice to get that extra protection and extra points. Every point earned goes a long way Reviewed on: 15th May 2026
nosh's avatar
nosh

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