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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176767 reviews)

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4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th 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.

PayPal PayPal Credit reviews (176800)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Great credit products, excellent for emergency purch...

Great credit products, excellent for emergency purchases Reviewed on: 10th July 2026

Streamlined, Flexible, and Perfect for Budgeting

I’ve been using PayPal Credit for a while now, and it has completely simplified how I manage larger online purchases. The standout feature is definitely the 0% interest for 4 months on purchases over £99. It gives me the perfect amount of breathing room to spread out costs without paying a penny extra, as long as it's paid off on time. Because it links directly to your existing PayPal wallet, checkout is instant and incredibly secure. Managing payments through the app is entirely transparent, making it easy to track promotional deadlines and set up automatic payments. It’s a fantastic, hassle-free tool for savvy shoppers looking to manage their cash flow. Highly recommended! Reviewed on: 10th July 2026

Love the company.

Love the company. Never no problems. Reviewed on: 10th July 2026

.Excellent

I've had a really positive experience with PayPal Credit. It's easy to use, the application process was straightforward, and managing my account online is simple. The option to spread the cost of purchases has been really helpful, and payments are processed smoothly. Customer service has always been polite and helpful whenever I've needed assistance. Overall, it's a convenient and reliable way to manage larger purchases, and I'd happily recommend it. Reviewed on: 10th July 2026

Very good

Very good & Safe just need improvement for customer service Reviewed on: 10th July 2026

Reliable and Easy to Use.

I've been using PayPal Credit for a while now and have found it really useful. The application process was straightforward, payments are easy to manage, and the app makes it simple to keep track of my balance. It's been a convenient and flexible way to spread the cost of larger purchases. Overall, I've had a positive experience and would happily recommend PayPal Credit to others. Reviewed on: 10th July 2026

Easy to use.

Easy to use. Very user friendly interface. Quick and reliable Reviewed on: 10th July 2026

It’s fine, quick to set up rates are fairly competit...

It’s fine, quick to set up rates are fairly competitive Reviewed on: 10th July 2026

Excellent service with fast response

Excellent service with fast response Reviewed on: 10th July 2026

Very good and user friendly app and making payment...

Very good and user friendly app and making payment easier and secure Reviewed on: 10th July 2026

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