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PayPal: PayPal Credit reviews

View other PayPal products
4.91
Based on 90,436 reviews, last reviewed 30th Apr 2026
1829400% increase in 5 star reviews
in the past 90 days
10400% 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

Easy banking Paypal is always innovative thus makes banking easy. Reviewed on: 30th April 2026
Vicky 's avatar
Vicky

Latest lowest rating:

1

Terrible for your credit report Very hard to cancel an agreement, no reminders sent about payment until they are missed. And pay in 3 is not as good as the previous option to split p... Read more Reviewed on: 30th April 2026
Sarah James's avatar
Sarah James
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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 (90436)

Excellent service

5
Excellent dispute service and pay in 3 is great Reviewed on: 6th April 2026
Shelly Galea's avatar
Shelly Galea

I feel that PayPal is so easy to use and very helpful.

5
I feel that PayPal is so easy to use and very helpful. Reviewed on: 6th April 2026
Peter S's avatar
Peter S

PayPal protection

5
I have used both PayPal pay-in-3 and PayPal Credit and found them great for protection of my money. I paid for radiators from what I thought was a reputable company only to find they did not arrive by the due date. I contacted PayPal and they dealt with situation and refunded my money. Reviewed on: 6th April 2026
Teri W's avatar
Teri W

Pay in 3 and PayPal interest free credit is ideal fo...

5
Pay in 3 and PayPal interest free credit is ideal for larger purchases. This helps me budget my purchases Reviewed on: 6th April 2026
Aidy S's avatar
Aidy S

Easy peasy

5
I find PayPal so easy to use and it is accepted by many retailers. I like the app and being in control. It's so useful Reviewed on: 6th April 2026
Mel S's avatar
Mel S

PayPal: The Hero of Awkward Who’s Paying? Moments

5
PayPal is the kind of platform that quietly becomes indispensable without you ever realising quite when it happened. What begins as a convenient way to send a few pounds to a friend quickly evolves into a cornerstone of modern digital life—seamlessly bridging the gap between simplicity, security, and global connectivity. At its core, PayPal excels in doing exactly what you want it to do: moving money effortlessly. Whether you're splitting dinner, paying for online shopping, or sending funds internationally, the process feels almost frictionless. The interface is clean, intuitive, and reassuringly familiar, making even first-time users feel confident navigating it. Where PayPal truly stands out, however, is in its commitment to security and buyer protection. In a world where online transactions can sometimes feel uncertain, PayPal offers a layer of trust that is genuinely comforting. Knowing that your purchases are protected adds a level of confidence that transforms how you shop online. Another strength lies in its global reach. PayPal operates across borders with remarkable ease, allowing users to send and receive money internationally without the complexity you might expect. For freelancers, small businesses, and everyday users alike, this accessibility is a game-changer. Of course, no platform is without its quirks. Fees can occasionally catch you off guard, particularly with currency conversions or business transactions. But even here, PayPal maintains a level of transparency that allows users to make informed decisions. Ultimately, PayPal isn’t just a payment service—it’s a digital companion that simplifies everyday life. It combines reliability, speed, and security in a way that few platforms manage to achieve. Once you start using it, it’s hard to imagine managing money online without it. A quiet powerhouse of the digital age, PayPal earns its place as one of the most trusted and widely used financial tools in the world. Reviewed on: 6th April 2026
Sarah 's avatar
Sarah

Simple and rewarding.

5
Simple and rewarding. 3% back on PayPal purchases, 1.5% on everything else. No annual fee. Just remember you need to checkout with PayPal to get the best rate—otherwise it's just an average card. Reviewed on: 6th April 2026
Ali N's avatar
Ali N

Always a good service and very easy to use

5
Always a good service and very easy to use Reviewed on: 6th April 2026
Michael T's avatar
Michael T

Very easy the app and excellent service

5
Very easy the app and excellent service Reviewed on: 6th April 2026
Graham 's avatar
Graham

Great professional service

5
Great service, professional and helpful if you have a question Reviewed on: 6th April 2026
P S's avatar
P S

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