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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (172461 reviews)

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4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (172516)

PayPal credit No. 1

From the first usage PayPal credit have been brilliant with no issues. Timeframes are clearly set out and reminders of payments timeframes with enough scope to react Reviewed on: 27th June 2026

Great Buy New Pay later with rewards

Fast and easy to use. The setup process was quite enjoyable I love the PayPal credits and the fact that they offer interest free for up to four months on most purchases of 100 pounds never had any regrets Reviewed on: 27th June 2026

Great company, reliable and easy to use.

Great company, reliable and easy to use. Have used PayPal for many years and they keep adding new features to make things more convenient or improve their offers. I have never had issues using their platform for payments. Reviewed on: 27th June 2026

Find PayPal credit so user friendly telling you on t...

Find PayPal credit so user friendly telling you on the app when it has to be paid by! Reviewed on: 27th June 2026

The staff has been supportive and understanding.

The staff has been supportive and understanding. Questions and queries are handled timely and professionally. Reviewed on: 27th June 2026

PayPal Credit is a highly effective

PayPal Credit is a highly effective, free financial tool if and only if you treat it like a strict budgeting calendar. If you use it to split up large purchases and reliably clear the balance before the 0% clock runs out, it's fantastic. However, if you tend to overspend online or miss payment deadlines, the high APR and deferred interest structure can turn it into an expensive debt trap very quickly. Reviewed on: 27th June 2026

Quick, efficient and reliable.

Quick, efficient and reliable. Always to hand Reviewed on: 27th June 2026

I use paypal all the time for transactions and it’s...

I use paypal all the time for transactions and it’s by far one of the most seamless payment service out there Reviewed on: 27th June 2026

Another great service from PayPal

Setting up the credit card was quick and easy because the PayPal app is very straightforward to use. Adding the card to Apple Wallet was also simple and hassle-free. Once set up, the card is ready to use anytime, making it very convenient for everyday purchases. Reviewed on: 27th June 2026

Very good experience

Very good experience and easy to use. Reviewed on: 27th June 2026

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