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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178347 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 (178351)

PayPal credit has come in very helpful when needing...

PayPal credit has come in very helpful when needing to replace some appliances quickly. Having that credit available spread over a period made it quick and affordable. Reviewed on: 6th July 2026

A credit to the consumer .

Absolutely superb from the beginning, great customer services. Reviewed on: 6th July 2026

A Reliable and Seamless Way to Handle Everyday Payments

I’ve used PayPal for years, mostly because it just fits naturally into how I handle payments online. I’ve relied on it for everyday things like online purchases, subscriptions, and sending or receiving money with people I trust. What’s stood out to me is how straightforward it is. You don’t really think about it when it’s working well, which I think is kind of the point. Payments go through smoothly, confirmations are clear, and if I need to check a transaction later, the records are easy to follow. I’ve also had a few moments where something needed attention. A delayed payment, a clarification on a charge. Nothing dramatic, but enough to notice how helpful it is to have clear status updates and support options. It gave me confidence that the platform is built with both security and real users in mind. Overall, my experience has been consistent and positive. PayPal has been a reliable tool in my day-to-day transactions, and I appreciate how it balances ease of use with a sense of safety and transparency. Reviewed on: 6th July 2026

I love the versatility of PayPal with either payment...

I love the versatility of PayPal with either payment options of pay in 3 or with the new pay in 30 days! it gives you the option to try purchases before you actually pay for them especially online shopping makes it is so much easier Reviewed on: 6th July 2026

It was good and flexible.

It was good and flexible. Easy to use and also easy to pay off. Reviewed on: 6th July 2026

PayPal for pensioners .

PayPal makes life easy to spread smaller purchases over a few months. Very handy for pensioners! Reviewed on: 6th July 2026

Best customer service

Best customer service and very convenient to use Reviewed on: 6th July 2026

Helpful staff and Information provided

Helpful staff and Information provided Reviewed on: 6th July 2026

Lost account, So frustrating

Built up a great PayPal credit, Loved using PayPal after this, then, out the blue I lost my account, password wouldn’t work when it was correct and no option to change it, just get a message saying “where having trouble recognising it’s you” Ive tried numerous times to call up over the years to recover it, tried everything they asked every time and never once been able to recover it, but they can see it and I can ring up and pay them, my payments are finished and I’ll never use PayPal again, dealing with late fees because I couldn’t get on my account to see when I was due to pay and my balance etc, not reliable at all and caused a lot of unnecessary stress Reviewed on: 6th July 2026

Reliable, affordable, easy professional

I use the pay in three very easy to use and it helps me to budget with purchases, the PayPal cash back is helpful. PayPal is a reliable financial service that securely enables payments for goods from a wide range of sellers. It is my go service to make internet purchases. Reviewed on: 6th July 2026

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