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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178064 reviews)

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4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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 (178067)

Safe and quick and great customer service

Generally always use PayPal on online purchases as it’s quicker, smoother and safest way. Reviewed on: 6th July 2026

I love the pay in 3.

I love the pay in 3. None of the interest and all of the flexibility Reviewed on: 6th July 2026

Easy to use!

Easy to use! And super safe! I use PayPal for most things now to stay safe and secure Reviewed on: 6th July 2026

Safe and secure

PayPal makes me feel secure when I use it, if anything happens with an order I know they are there to help and sort things out Reviewed on: 6th July 2026

I’ve had an excellent experience with PayPal credit...

I’ve had an excellent experience with PayPal credit since I’ve been a customer. Ignore had to call, staff have always been friendly, professional and accommodating, offering safe guidance and seeing me as a person not just a debtor to them. If I’m honest, that approach was refreshing and a genuine surprise - I was expecting cold, rigid and uncaring service but it has been the opposite. I have also liked the recommendations every month for partnerships who have offers or sales on. It’s very easy to use the service, pay balances and link to third party sites. I recommend them. Highly. Reviewed on: 6th July 2026

No issues

Had no issues, very easy setup, always use the service Reviewed on: 6th July 2026

Very easy to use, pay for items and pay off...

Very easy to use, pay for items and pay off the credit Reviewed on: 6th July 2026

Fantastic service

Easy to use and quick to reply. Allows me to buy with confidence. Means when I see something I really want I don’t have to wait. Reviewed on: 6th July 2026

Can’t recommend it enough!

PayPal for me has been there each and every time I pay for new or older things via eBay. I have used pay in 3 multiple times I’ve lost count but it’s been there so I can reach pay day. I can’t recommend it enough. Paypal credit has been a god send when out I use it and gain the points aswell. It’s my go to and it has been very good to me for years and it can for you. Reviewed on: 6th July 2026

Easy to use and reliable

I've had a positive experience with PayPal Credit. The application process was straightforward, managing my account has been simple, and payments have been easy to make. The service has been reliable, and I appreciate the flexibility it provides for larger purchases. Overall, I'm satisfied with my experience and would recommend PayPal Credit to others looking for a convenient credit option. Reviewed on: 6th July 2026

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