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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181134 reviews)

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4.73

Based on 181,134 reviews, last reviewed 25th Aug 2026

2% increase in 5 star reviews

in the past 90 days

12% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use great service Easy to use great service. most retailers allow you to use PayPal. Reviewed on: 25th August 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 (181134)

Always works just as it should.

Always works just as it should. I've never had a problem either. Pays straight via through to my bank or if I need it. PayPal credit. Brilliant Reviewed on: 4th July 2026

I’ve had a very positive experience using PayPal Cre...

I’ve had a very positive experience using PayPal Credit. The application process was quick and straightforward, and I received a decision almost instantly. One of the biggest benefits is being able to spread the cost of larger purchases, especially when the interest-free promotional offers are available. It has made managing bigger expenses much easier without having to pay everything upfront. The account is easy to manage through the PayPal app and website, where I can clearly see my balance, payment due dates, and recent transactions. Making payments is simple, and I’ve found the overall experience reliable and convenient for online shopping. One thing to be aware of is that it’s important to make repayments on time, especially once any promotional period ends, as interest charges can apply. As long as you use it responsibly and understand the terms, it’s a very useful financial tool. Overall, I would recommend PayPal Credit to anyone who shops online regularly and wants a flexible way to manage larger purchases. It’s convenient, easy to use, and has worked exactly as expected for me. Reviewed on: 4th July 2026

Brilliant service second to none

Brilliant service second to none Reviewed on: 4th July 2026

Convenient Options

Convenient and clear options. Easy onscreen navigation Reviewed on: 4th July 2026

PayPal credit is so easy to use especially if

PayPal credit is so simple and easy to use, especially since I was already using PayPal to buy things online all the time. The 4 months interest free repayments are so handy and it’s always super quick to make a payment to your balance. Reviewed on: 4th July 2026

Great, timely response when I had queries about a tr...

Great, timely response when I had queries about a transaction Reviewed on: 4th July 2026

Secure & simple

Secure, easy to use, free-ish. Inclined to be pushy Reviewed on: 4th July 2026

All rounder

I have been using PP for well over a decade and I found PP to constantly improving their services. They keep you updated and informed about any future changes and keep you in loop for all news and extra information. The app is simple and easy to use even for a beginner. I would highly recommend PP to family and friends. Reviewed on: 4th July 2026

It's intelligent app Good saving

It's intelligent app Good saving Reviewed on: 4th July 2026

Customer service has been top notch.

Customer service has been top notch. Fast and easy! Reviewed on: 4th July 2026

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