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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (99133 reviews)

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4.90

Based on 99,133 reviews, last reviewed 6th May 2026

2229800% increase in 5 star reviews

in the past 90 days

6300% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Helpful when i needed it, easy to apply Helpful when i needed it, easy to apply and T&C's clear and concise Reviewed on: 6th May 2026

Latest lowest rating:

1

I made to orders in December from Debenhams I sent b... I made to orders in December from Debenhams I sent both order back Debenhams said they got all returns and I've still not had my money back off PayPal... Read more Reviewed on: 6th May 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 (99133)

Been using pay pal credit for many years.

Been using pay pal credit for many years. Where other credit companies give you 56 days to put the money back without charges, pay pal gives you 4 months. Reviewed on: 6th April 2026

Always been happy with the service received

Always been happy with the service received Reviewed on: 6th April 2026

I’ve used PayPal Credit a few times now and it’s rea...

I’ve used PayPal Credit a few times now and it’s really convenient, especially for spreading the cost of bigger purchases. The option to pay later or split payments definitely helps when money’s tight, and it’s all easy to manage through PayPal. That said, it can be a bit of a trap if you’re not careful. It’s so easy to click and use that you don’t always realise how quickly it adds up. Interest can also be quite high if you don’t pay it off in time, so you do need to stay on top of it. Overall, it’s useful as a backup or for planned purchases, but I wouldn’t rely on it too much. Good tool if used properly. Reviewed on: 6th April 2026

Secure transactions

Easy to use and you are protected which is great. Reviewed on: 6th April 2026

Pay in three or paypal cred...

I love paypal especially pay in three or paypal credit very flexible Reviewed on: 6th April 2026

It’s easy to pay for things through monthly instalme...

It’s easy to pay for things through monthly instalments. Reviewed on: 6th April 2026

I am extremely satisfied with PayPal Credit and have...

I am extremely satisfied with PayPal Credit and have nothing but praise for the service. Everything works exactly as it should—it’s fast, transparent, and incredibly convenient for making purchases. I really appreciate the flexibility it offers and the added peace of mind when shopping online. If you’re on the fence, don’t hesitate. I would definitely recommend this to anyone looking for a reliable and modern way to manage their payments! Reviewed on: 6th April 2026

Always had positive experience and very easy to use,...

Always had positive experience and very easy to use, easy to understand as everything is explained Reviewed on: 6th April 2026

Great options of finance, to suit each purchase.

Great options of finance, to suit each purchase. Reviewed on: 6th April 2026

PayPal....my pal !!!

I use PayPal for every online purchase I make. It gives me peace of mind should anything go "not quite right". I know that I would have a fantastic customer care team looking out for my best interests. Using PayPal also allows me to spread payments for the occasional high cost item "treat" to myself that I would normally not be able to afford. Reviewed on: 6th April 2026

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