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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174266 reviews)

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4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174268)

A convenient and safe way to manage my spending.

A convenient and safe way to manage my spending. Customer support is very good and I have confidence in the organisation . I particularly like the paying 3 or no interest for 4 months offers and flexibility this offers Reviewed on: 10th June 2026

I pay for almost everything with paypal. It is safe.

I all the time using paypal to pay almost for everything. It is very easy, safe and I have a lot payment options. LIke it. Reviewed on: 10th June 2026

Easy to use simple quick transactions which offer an...

Easy to use simple quick transactions which offer an extra element of security by not having to share card details with multiple retailers Reviewed on: 10th June 2026

Always had an excellent service with PayPal

Always had an excellent service with PayPal Reviewed on: 10th June 2026

Very easy and straightforward.

Very easy and straightforward. Step by step instructions as you go. Reviewed on: 10th June 2026

Flexible credit deals.

Flexible credit deals. Transparent. Easy to use in the app. Easy to pay back Reviewed on: 10th June 2026

My preferred payment option..

Whenever possible, I always use PayPal as my payment option., for an extra level of protection and peace of mind. Knowing that any issues - which are extremely rare - will be sorted quickly and evidently Reviewed on: 10th June 2026

Great Never had any issues

Never had any issues. Always been smooth sailing when ive needed it. Flexible credit. Reviewed on: 10th June 2026

PayPal Credit an absolute automatic go to!

PayPal Credit is my absolute automatic go to wherever PayPal is accepted and have utilised this for many years now. I personally find spreading the costs of purchases made over a £100 completely invaluable to me whilst taking advantage of 0% interest if managed within the 4 month timeframe of course! Excellent service product . Reviewed on: 10th June 2026

Secure payments, very easy to contact if something g...

Secure payments, very easy to contact if something goes wrong. This is my preferable method of payment wherever is available. I use pay in 3 and credit options as well. Reviewed on: 10th June 2026

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