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PayPal: PayPal Credit reviews

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4.90
Based on 101,306 reviews, last reviewed 8th May 2026
2329700% increase in 5 star reviews
in the past 90 days
6750% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

I excellent I could call PayPal customer service anytime and I get all the help I need. Reviewed on: 8th May 2026
zakia Osman's avatar
zakia Osman

Latest lowest rating:

2

It’s good when I send money from PayPal using my cre... It’s good when I send money from PayPal using my credit card, but it takes too much time when I try to transfer money from my other account to my PayP... Read more Reviewed on: 7th May 2026
Mehbub Arefin Hawladar's avatar
Mehbub Arefin Hawladar
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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 (101306)

Pay easy

5
Everyone is so help full and the system is so easy to use and understand also it is easy to keep track Reviewed on: 16th April 2026
Morgan 's avatar
Morgan

I had any issues with auto payment refusal/cancellat...

5
I had any issues with auto payment refusal/cancellation. I called the customer service and zit was resolved and I was told that the last fee wasn't my fault. I was refunded the £12 penalty fee I paid earlier. They are the best Reviewed on: 16th April 2026
oniahchinedu's avatar
oniahchinedu

Really quick super good to tell you about offers

5
Really quick super good to tell you about offers Reviewed on: 16th April 2026
David p's avatar
David p

Fast and easy to use.

5
Fast and easy to use. A secure payment method Reviewed on: 16th April 2026
Esther Aderibigbe's avatar
Esther Aderibigbe

Easy to use and easy to pay for many different items...

5
Easy to use and easy to pay for many different items in many different stores Reviewed on: 16th April 2026
Alex H's avatar
Alex H

Great experience

5
Have been using them for years never any issues Reviewed on: 16th April 2026
Jam's avatar
Jam

Simple, Flexible, and Stress-Free Payments

5
I’ve had a really positive experience using PayPal Credit. It’s super convenient for spreading the cost of purchases, especially for bigger items, and the application process was quick and straightforward. I also appreciate how easy it is to manage everything through my account—clear statements, flexible payments, and no hassle. Definitely a helpful option if you want a bit more flexibility with your spending! Reviewed on: 16th April 2026
Chantel S's avatar
Chantel S

Great for short-term purchases if used wisely

5
I’ve been using PayPal Credit recently and my experience has been very smooth so far. The setup was quick and easy, and everything is clearly visible inside the PayPal app, which makes it simple to track spending and payments. One of the best features is the 0% interest offer for purchases over £99. It’s very useful for short-term flexibility, especially if you plan your repayments properly and clear the balance within the offer period. I also like that you can make payments anytime, not just on the due date. Customer service has been responsive and helpful whenever needed, and the statements are easy to understand. However, I would say it’s important to be careful. The standard interest rate is quite high if you don’t pay off your balance in full, and missing payments can lead to fees. So it’s best used responsibly. Overall, a good financial tool for managing short-term expenses, as long as you stay disciplined with repayments. Reviewed on: 16th April 2026
Abhay's avatar
Abhay

PayPal would highly recommend

5
Been using PayPal for quite a few years and never had a problem would highly recommend Reviewed on: 16th April 2026
Gillian c's avatar
Gillian c

Brilliant

5
Had no problems with them an if I havent received an parcel paypal has always got it refunded back to me Reviewed on: 16th April 2026
Wendy b's avatar
Wendy b

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