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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148222 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148222)

Easy to use and best interest rate.

Easy to use and best interest rate. I love it, especially 0% 4 months interest free Reviewed on: 8th June 2026

The gold standard for safe, fast & effortless shopping!

I have been using PayPal for both personal shopping and sending money to friends for over five years, and it remains the most reliable payment service available. What I appreciate most is the security. I love being able to check out on retail websites without constantly exposing my credit card or bank account details directly to the merchant. The PayPal mobile app is incredibly streamlined, fast, and lets me view all of my different accounts and digital payment footprints in one centralized place. Furthermore, their Buyer Protection and Resolution Centre give me complete peace of mind when buying from new or unfamiliar online storefronts. Transactions are always swift, and whenever I have had to request a refund, the process was handled smoothly. It is completely free for everyday customer purchases, making it an absolute win. Highly recommended! Reviewed on: 8th June 2026

Very helpful, easy to navigate, dont know what to ss...

Very helpful, easy to navigate, dont know what to ssy ,good service Reviewed on: 8th June 2026

Have enough time repay without interest when I want...

Have enough time repay without interest when I want pay always didn’t find any difficulty Reviewed on: 8th June 2026

Good experiences with PayPal credit

Have had no problems with PayPal credit and it's been a good way to manage larger purchases over time. Have used several times and am happy with the service. Reviewed on: 8th June 2026

I use very regularly

I use it regularly to buy online for peace of mind Reviewed on: 8th June 2026

I have been using PayPal for years and they have nev...

I have been using PayPal for years and they have never let me down Reviewed on: 8th June 2026

I am happy to use Paypal.

I am happy to use Paypal. Alwasy easy and very secure. Reviewed on: 8th June 2026

Interest terms unclear

Good that it is widely accepted online but interest terms not made clear enough when making small purchases Reviewed on: 8th June 2026

Simple and flexible

I found it very easy to use PayPal credit to buy a large purchase ans split the cost Reviewed on: 8th June 2026

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