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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171761 reviews)

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4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171761)

Customer service

Simple and straightforward no hidden fees Reviewed on: 9th June 2026

Great Experience

PayPal Pay in 3 is a really useful service that I use frequently. It makes bigger purchases more affordable by being able to split the cost over three months, without having to pay extra for the privilege, since it is interest-free. Reviewed on: 9th June 2026

I have no faults therefore full top score.

I have no faults therefore full top score. Everything works as intended and I have yet to encounter anything that would put me off using the Service. Ui is easy to use, Simple to follow the money in account and very simple to pay back when needed. Reviewed on: 9th June 2026

I use PayPal credit for allsorts, it’s so handy for...

I use PayPal credit for allsorts, it’s so handy for me to have. Only downfall is I find it difficult to track how much I’m paying off each month. I have a direct debit set up but I can’t identify what is being payed off interest and what os being payed off my actual bill. Reviewed on: 9th June 2026

Cant fault the service been using paypal for some ye...

Cant fault the service been using paypal for some years and watched them evolve. Easy to use and operate customer service easy to get intouch with its alot more secure with sending and receiving money feel like im safe Reviewed on: 9th June 2026

Best credit - always super helpful and accessible

Best credit - always super helpful and accessible Reviewed on: 9th June 2026

Excellent service , very secure and user friendly

Excellent service , very secure and user friendly Reviewed on: 9th June 2026

PayPal stands out as a leading retail finance provid...

PayPal stands out as a leading retail finance provider due to its commitment to innovation, customer convenience, and responsible lending solutions. PayPal Credit offers a seamless and transparent financing experience, enabling customers to make purchases with flexibility while managing their budgets effectively. What sets PayPal apart is its trusted brand, easy application process, and integration across a vast network of merchants. Customers benefit from straightforward payment options, competitive financing offers, and a secure platform that prioritizes user experience and financial wellbeing. The company continues to evolve its retail finance solutions to meet changing consumer needs, helping millions of customers access flexible payment options both online and in-store. Its strong focus on customer service, digital innovation, and accessibility makes PayPal a deserving winner of the "Best Retail Finance Provider" award. Reviewed on: 9th June 2026

Easy and fuss free credit solution

Easy and fuss free credit solution, PayPal credit gives me flexibility with my shopping, and with my Apple Wallet card, I can use when shopping in my local supermarket. Reviewed on: 9th June 2026

A safe way to shop online

Paypal makes me feel safe when buying online with its great support and money back when things go wrong. It also gives me more time to pay for items and has an easy to use website. Reviewed on: 9th June 2026

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