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PayPal: PayPal Credit reviews

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4.90
Based on 76,395 reviews, last reviewed 18th Apr 2026
2358700% increase in 5 star reviews
in the past 90 days
6800% 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

PayPal makes online shopping easy PayPal makes online shopping easy and safe and the addition of PayPal credit helped improve the experience Reviewed on: 18th April 2026
David McCuiag's avatar
David McCuiag

Latest lowest rating:

1

PayPal push its credit facility without telling you... PayPal push its credit facility without telling you how it adversely affects your credit score even for a nominal amount. I only took it due to the di... Read more Reviewed on: 18th April 2026
Carl O's avatar
Carl O
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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 (76395)

Pay Pal review.

4
It works with reasonable flexibility. Not sure about the email offering a prize to help them win a prize! Reviewed on: 26th May 2025
AC's avatar
AC

PayPal Credit

5
I managed to get PayPal Credit to my surprise after being turned down before. It came just at the right time when I needed it most. I managed to pay off what I needed and being able to split it over a longer period of time gave me the chance to keep a handle on my budget. All thanks to PayPal Reviewed on: 26th May 2025
Liam's avatar
Liam

PayPal is my default payment method, an...

5
I use PayPal as my default online payment method, and have used both the credit and the interest free facilities for major purchases. I have found the process to be quick and easy and have always received excellent service. Reviewed on: 26th May 2025
Alan Gregory's avatar
Alan Gregory

I feel safe using PayPal, secure way if paying

5
I feel safe using PayPal, secure way if paying Reviewed on: 26th May 2025
Graham B's avatar
Graham B

Great 0% options available.

5
Great 0% options available. Gives me flexibility in my payment options. Reviewed on: 26th May 2025
Daniel W's avatar
Daniel W

I used the credit facility when i needed an item urg...

5
I used the credit facility when 8 needed an item urgently and didn't immediately have the money available to purchase .so it helped me to complete a goal and purchase with ease. To applied which was easy . Fast result and task completed. Reviewed on: 26th May 2025
Mat's avatar
Mat

Very efficient service when needed to change accounts

5
I had to call customer service as my email provider had stopped supporting my account. I had set up a new email but had problems closing my original PayPal account. Was all sorted out very efficiently. Reviewed on: 26th May 2025
Amanda M's avatar
Amanda M

Easiest Payment Method.

5
Easy for payments at checkout and transfer to friends and family. Reviewed on: 26th May 2025
Evan C's avatar
Evan C

My Experience

5
I recently had an absolutely seamless experience using PayPal, and I couldn’t be more impressed. From start to finish, everything was smooth, secure, and incredibly efficient. I needed to make an international payment for a freelance project, and within minutes, the transaction was complete. The user interface was intuitive, and I appreciated the added layer of security through two-factor authentication. I received instant confirmation and detailed tracking of the transaction, which gave me full confidence that everything was handled properly. When I had a small question about exchange rates, I reached out to customer service via chat. To my surprise, I was connected with a knowledgeable agent almost immediately. They were friendly, professional, and resolved my query in under five minutes. What stood out most was how effortless everything felt. No hidden fees, no confusing processes—just a reliable, secure way to send and receive money. PayPal continues to set the standard for digital payments, and this experience reaffirmed why I trust them for both personal and business transactions. Reviewed on: 26th May 2025
Mo W's avatar
Mo W

A useful financial too

5
Once set up, PayPal Credit or Pay in 3 are great ways to spread the cost of occasional purchases. A PayPal option is found on almost all online shopping sites. It’s quick, easy and keeps your payment details private, plus you have easy access to credit to spread costs. I use Pay in 3 for purchases up to £99, then opt for 4mths interest free over £99, but always being careful to keep it affordable. I probably wouldn’t use PayPal Credit for purchases over £250. It’s a useful option if you don’t have, or don’t want to use a credit card. Reviewed on: 26th May 2025
Mark's avatar
Mark

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