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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181128 reviews)

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4.73

Based on 181,128 reviews, last reviewed 19th Aug 2026

11% increase in 5 star reviews

in the past 90 days

26% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Good service Great but difficult to talk to a real person Reviewed on: 19th 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 (181128)

Prompt and excellent response within a day or so

Prompt and excellent response within a day or so Reviewed on: 2nd July 2026

4 months interest free - Best ever deal!

The 4 month interest free offer is amazing and allows me to carry on enjoying life whilst clearing the loan. It is a greasy way to manage my finance. Reviewed on: 2nd July 2026

Not helpful

I have been with PayPal for many years and there have been a few problems I have had with payments and scams and they have not been resolved correctly Reviewed on: 2nd July 2026

Great confidence

PP have always been a positive experience to me. Quick response and clear communication. All purchases made are well documented for the user’s information. Spreading the costs gives you time to build up your payment. Reviewed on: 2nd July 2026

Very good service , easy to use, I can recommend for...

Very good service , easy to use, I can recommend for anyone who has ever tried, good communication and professional support Reviewed on: 2nd July 2026

I always use paypal as a trusted source of payment

I always use paypal as a trusted source of payment Reviewed on: 2nd July 2026

Paypal is a worldwide recognised and trusted payment...

Paypal is a worldwide recognised and trusted payment mechanism. Very easy to pay online and resolve any disputes immediately. Reviewed on: 2nd July 2026

Helps spread the cost

Paypal credit is especially useful for larger online purchases where spreading the cost helps manage cash flow. It integrates smoothly with PayPal’s ecosystem, making checkout quicker for frequent online shoppers. Reviewed on: 2nd July 2026

I’ve used PayPal Finance for years to pay for items...

I’ve used PayPal Finance for years to pay for items I’ve bought on eBay and paid off monthly instead of one big payment. Pretty easy to do and track and the interest rate is good. I wish I could use the 12 month finance on other purchases other than eBay though if I’m honest. Reviewed on: 2nd July 2026

Peace of mind for finances

Always use paypal if available on site. Reliable, easy to use, gives peace of mind i can manage my finances Reviewed on: 2nd July 2026

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