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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181153)

PayPal is to slow on relisting funds in a fast place...

PayPal is to slow on relisting funds in a fast place digital world there is no point in using it that's why you're profits are down. If you want to improve your marriages I will accept the £1000 I have some good improvements you could make that will increase your profits thanks Sean Reviewed on: 7th July 2026

I love housing PayPal it’s helped me a lot

I love housing PayPal it’s helped me a lot Reviewed on: 7th July 2026

Hand down best way to spread cost of new purchases

I have used paypal credit for so many purchases now. I was quite reluctant a many years ago thinking its finance i will end paying interest ect. However customer has the full control. Pay 3 months interest free up to 36 months when buying an expensive item like a new mobile. If 0 % isnt available you can opt for 12 24 36 month option and see what the total interest is payable before committing. Unlike most finance companies who only provide apr. Paypal actually provide the exact amount you will pay in interest before you commit. 100% paypal is the way for me. Highly recommend. Reviewed on: 7th July 2026

Freedoms of life today feeling depressed

Freedoms of life today feeling depressed Reviewed on: 7th July 2026

Simple and easy to use.

Simple and easy to use. Application took minutes and the interest free period is way better than others offer Reviewed on: 7th July 2026

Helpful when you need flexibility

I’ve only used PayPal Credit once, but it was a really straightforward experience. I was offered the option at checkout, accepted it, and was approved almost instantly. There wasn’t any complicated process, which I appreciated. At the moment I’m not working, so being able to spread the cost of a purchase has been really helpful. It gave me the flexibility to buy something I needed without having to pay the full amount upfront, and I can repay it over time. Based on my experience, I’d definitely use PayPal Credit again if I needed that extra flexibility. Reviewed on: 7th July 2026

Protected hands

Would like to thank PayPal for there trust and kindness , Reviewed on: 7th July 2026

Easy smooth use , one negative point is difficult ge...

Easy smooth use , one negative point is difficult get problem sorted as it’s diffult to get in touch with customer services , most id ghe things are done by email which could be frasturated Reviewed on: 7th July 2026

Use and cost

Easy to use - its a good part, Quite expensive if use for longer duration Reviewed on: 7th July 2026

I have got good experience dealing with them of no r...

I have got good experience dealing with them of no regret Reviewed on: 7th July 2026

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