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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

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4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181147)

Excellent

Paypal has made my money management better. It has helped me in many ways. The app is super easy to use. Reviewed on: 6th July 2026

very easy to use, very straightforward

very easy to use, very straightforward Reviewed on: 6th July 2026

I have been a PayPal customer for a while and I have...

I have been a PayPal customer for a while and I have had positive experiences when I have contacted them. When I have gad to contact them over an issue it has been addressed and I have been informed. I find PayPal credit a bit confusing when I have tried to make a payment on an individual purchase as I can't seem to find how to do it. Reviewed on: 6th July 2026

I feel that my purchases are kept safe.

I feel that my purchases are safe. I always know i can receive support when needed. Reviewed on: 6th July 2026

Easy to use

Easy to use and find your way around. Reviewed on: 6th July 2026

Got your back

Very helpful to have as a back up, or pay in 3 makes things much more affordable. Reviewed on: 6th July 2026

Paypal credit helps to spread the cost

Paypal credit is fantastic as you are able to pay over 4 months, interest free. This makes it possible to spread the cost without having to worry about extra charges for those 4 months. Reviewed on: 6th July 2026

I've used paypal for at least 15 years.

I've used paypal for at least 15 years. They provide an excellent service. Fast efficent, and on the only 2 occassions when I had an issue with a supplier, paypal not only did their customer services reassured me, but had both issues resolved fast and efficently. I can't recommend paypal highly enough. I'm so confident in paypal, If I'm making a payment online, and paypal isn't a payment option, I won't continue with my purchase, and purchase elsewhere. Reviewed on: 6th July 2026

It’s quick and easy to use.

It’s quick and easy to use. Never had any issue as with some banks Reviewed on: 6th July 2026

Useful credit, but poor customer service

I appreciate having 4 months to repay purchases of £99 and over, but I find it difficult to understand how much I owe for purchases that have been partially refunded without checking each individual transaction and keeping a note separately of the date that payment is due and how much is outstanding. The statements PayPal Credit provides can be extremely confusing, not least because they don’t describe payments as such — instead referring to payments as ‘other’. I’ve had a credit card since 2005, and have never struggled to understand how much is owed, or the due date, so I don’t think it’s my lack of intelligence that is causing this difficulty. I also appreciate the reminders that are sent by email if the monthly minimum payment is due soon and hasn’t been paid yet; they are helpful. The actual provision of credit, and the allowance of 4 months in which to pay it off, is really useful, as it gives me time to return anything I’ve ordered online that I don’t wish to keep, and for the refund to be received, so I only have to pay for what I keep. The duration of 4 months also enables me to spread the cost of repaying the credit if I’ve spent more in one month, which is helpful. I do think PayPal could administer the account better in terms of comprehensible statements, as getting that wrong could be costly for the consumer. I’m also unhappy about PayPal reducing the number of circumstances in which they will provide a refund if the retailer refuses to do so — PayPal’s terms used to mirror the rights consumers have under the law in this country, but a few years ago they limited this. Since using a credit card directly online for purchases over £100 — even if only 1p is spent on the card — means that consumers automatically have a s.75 right to a full refund for the entire purchase from the credit card provider if something goes wrong, this means that purchasing using PayPal Credit puts the consumer in a worse situation if anything goes wrong with the purchase, since there are numerous instances in which PayPal will no longer provide a refund if the retailer refuses to do so. I do think this is unhelpful and unnecessary — I don’t see how PayPal can claim to offer a good customer service when even a basic credit card would automatically provide more opportunities for redress should anything go wrong with the purchase. Reviewed on: 6th July 2026

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