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PayPal: PayPal Credit reviews

4.74
Based on 133,221 reviews, last reviewed 10th Jun 2026
3792600% increase in 5 star reviews
in the past 90 days
10700% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
92%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Need to make cancelling subscriptions easier. Need to make cancelling subscriptions easier. Cancelling needs to be an easier process. Apart from that PayPal is excellent Reviewed on: 10th June 2026
Gary 's avatar
Gary

Latest lowest rating:

2

Making payments has been fiddly and confusing. Making payments has been fiddly and confusing. I never miss payment so any other accounts but this one has been problematic Reviewed on: 10th June 2026
Lucy E's avatar
Lucy E

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience. Write a review

PayPal PayPal Credit reviews (133221)

The Perfect Way to Spread the Cost

5
I’ve been using PayPal Credit for a while now, and it has genuinely made managing my larger purchases so much easier. The standout feature for me is the 4 months 0% interest on every purchase over £99. It provides a fantastic safety net and allows me to spread the cost of essential items without the pressure of immediate high-interest fees. Reviewed on: 6th May 2026

Amazing always give me choices of what way I can use...

5
Amazing always give me choices of what way I can use the app if I’m short of money Reviewed on: 6th May 2026

Excellent lender and facilitator

5
I have held a PayPal account for many years. The company is transparent in all its dealings with customers and using the app allows 24/7 access to your account status. Good communication and excellent customer service. Reviewed on: 6th May 2026

Daily use

5
Easy to use, it’s part of daily online purchasing Reviewed on: 6th May 2026

I always pay with PayPal because I have the reassura...

5
I always pay with PayPal because I have the reassurance that I will get my money back if the item is not reviewed or not as advertised Reviewed on: 6th May 2026

Great communication, reliable and friendly service.

5
Great communication, reliable and friendly service. Reviewed on: 6th May 2026

Very good service never had a problem easy to use an...

5
Very good service never had a problem easy to use and understand good customer service Reviewed on: 6th May 2026

Unbeatable offers and customer care

5
Been using PayPal for years and never once had an issue that I didn’t get resolved. Their 4 months interest free credit has been fantastic for my needs meaning I never need to get a loan. Reviewed on: 6th May 2026

PayPal is perfect for me to send monies to my family...

5
PayPal is perfect for me to send monies to my family abroad Reviewed on: 6th May 2026

Often have good offers on interest free spending

5
Often have good offers on interest free spending Reviewed on: 6th May 2026

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Help others make smarter decisions by sharing your own experience. Write a review