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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148767 reviews)

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4.73

Based on 148,766 reviews, last reviewed 4th Jul 2026

4499750% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use. Really easy to use. I feel safer paying with PayPal and won't buy if that option is not available Reviewed on: 4th July 2026

Latest lowest rating:

2

Can't make separate transfers. Can't make separate transfers. Just direct debit Reviewed on: 4th 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 (148768)

safe and easy way to pay by credit

safe and easy way to pay by credit. has helped me in sticky times Reviewed on: 7th June 2026

Great service no issues, use pay all the time

Great service no issues, use pay all the time Reviewed on: 7th June 2026

User-Friendly Platform with Excellent Security Features

I have been using PayPal for several months and overall my experience has been very positive. The platform is easy to use, secure, and widely accepted by online retailers and service providers. Sending and receiving money is straightforward, and transactions are usually processed quickly. One of the features I value most is the buyer protection, which provides additional confidence when making purchases online. The mobile app is user-friendly and makes it convenient to manage payments, track transactions, and monitor account activity from anywhere. Another benefit is the ability to link multiple payment methods, including bank accounts and credit cards, giving flexibility when making payments. International transfers are also relatively simple compared to some traditional banking options. On the downside, transaction and currency conversion fees can sometimes be higher than expected, particularly for international payments. There have also been occasions when account verification or security checks have taken longer than I would have liked. Despite these drawbacks, PayPal remains a reliable and trusted payment service. Its security features, ease of use, and broad acceptance make it a valuable tool for online transactions. I would recommend PayPal to anyone looking for a convenient and secure way to send, receive, and manage money online Reviewed on: 7th June 2026

Very easy to use and customer service are helpful

Very easy to use and customer service are helpful Reviewed on: 7th June 2026

Good for paying interest free options

Good for paying interest free options Reviewed on: 7th June 2026

Im happy using paypal at checkout for larger purchas...

Im happy using paypal at checkout for larger purchases and it's 0% for 3 or 4 months. Thank you Paypal . Almo got my PayPal credit card with months 0% for purchases over 99£ ,but not used yet. Will use definitely for larger purchases with 0% first 4 months . Reviewed on: 7th June 2026

PayPal makes me feel safer to buy online in fact if...

PayPal makes me feel safer to buy online in fact if PayPal doesn’t come up I refuse to buy. It’s so handy to to use pay in three and PayPal credit - helps to keep an eye on your spending. I would never use anything else. Reviewed on: 7th June 2026

Permanent 0%interest free period makes buying easier

I love being able to spread larger payments over 4 months interest free. That makes the difference in being able to purchase items and keep the monthly cost low. The fact this is now a card I can use in my e-wallet makes it even more valuable! Reviewed on: 7th June 2026

The best safe way to budget

I find it the perfect safe way for online shopping. By using PayPal credit it makes it easier to budget payments over a longer period of time. This is particularly helpful with larger purchases and at times of the year like Christmas. Reviewed on: 7th June 2026

I’ve quite enjoyed my experience with PayPal over th...

I’ve quite enjoyed my experience with PayPal over the last couple of years and highly recommend it to family and friends Reviewed on: 7th June 2026

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