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PayPal: PayPal Credit reviews

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4.91
Based on 88,429 reviews, last reviewed 28th Apr 2026
1736250% increase in 5 star reviews
in the past 90 days
9900% 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

A trustworthy site for money matters I always make purchases via P:aypal as I am confident such transactions are safe and secure. I did feel let down on one occasion when I sought Paupal ... Read more Reviewed on: 28th April 2026
Pauline W's avatar
Pauline W

Latest lowest rating:

1

Terrible customer service Paypal have terrible customer services, they don't seem to understand the concerns you have raised and don't seem to be in a position to put this righ... Read more Reviewed on: 27th April 2026
Richard H's avatar
Richard H
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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 (88429)

Very handy tool - easy to access when needed

5
Very handy tool - easy to access when needed Reviewed on: 14th April 2026
Sorin C's avatar
Sorin C

Very easy to manage my account with PayPal

5
Very easy to manage my account with PayPal Reviewed on: 14th April 2026
S Singh's avatar
S Singh

Always there to help.

4
Always there to help. Easy to use when paying online. Reviewed on: 14th April 2026
Kirsty E's avatar
Kirsty E

PayPal helped me build and maintain credit!

5
I've used PayPal for many years like many but the introduction of PayPal Credit has allowed me to build and maintain my credit score and it's has been clear and secure all the way. Customer service has always been spot on with any queries or issues if they arose. If I could pick one thing to improve on, it might be a me issue, but clarification on what gets paid off first and when. Now I know the information is there but make it more simple and easy to understand. Reviewed on: 14th April 2026
Alex B Gunning's avatar
Alex B Gunning

A very convient way to pay feel protected

4
A very convient way to pay feel protected Reviewed on: 14th April 2026
Boualem S's avatar
Boualem S

Love the 0% payment terms!

5
Love the 0% payment terms, why would you not take full advantage of 4 months payment terms @ 0% interest! I use this for all purchases, especially where the purchase last 3 or more months. For example, I buy 3 months stock of supplements at a time from British Supplements, get a good rate/discount as a result, the pay for this over 3months interest free! All EBay purchases also interest free when paying via PayPal. Reviewed on: 14th April 2026
Nev Norval's avatar
Nev Norval

I love paypal.

5
I love paypal. I try to use it for everything that I can, it's so simple and user friendly. Payments are secured and give you thr relief knowing you have the name of paypal behind it. Any issues are immediately sorted. Had it for a lifetime and never let me down. Would give 10 stars. Reviewed on: 14th April 2026
Ryan's avatar
Ryan

I find PayPal Credit really convenient for everyday...

5
I find PayPal Credit really convenient for everyday use — it’s basically like having a built-in credit line on your PayPal account, so you can spread the cost of purchases without needing a physical card. The biggest plus is the 0% interest for 4 months on purchases over £99, which makes it handy for bigger buys and short-term budgeting. Reviewed on: 14th April 2026
Shay t's avatar
Shay t

Love pay pal.

5
Love pay pal. Gives me the option to pay over longer time either no interest Reviewed on: 14th April 2026
Donna b's avatar
Donna b

East to apply for and manage.

5
East to apply for and set up DD for repayments. Reviewed on: 14th April 2026
Rachael Mills's avatar
Rachael Mills

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