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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (59051 reviews)

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4.91

Based on 59,051 reviews, last reviewed 11th Apr 2026

760300% increase in 5 star reviews

in the past 90 days

2400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Easy to use, safe and user friendly Easy to use, safe and user friendly Reviewed on: 11th April 2026

Latest lowest rating:

2

A lot of the credit related services are confusing a... A lot of the credit related services are confusing and bad. and customer service just seems to try to gide ride of you if you ask something Reviewed on: 11th April 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.

PayPal PayPal Credit reviews (59051)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Always professional and quick.

Always professional and quick. When approached with a query, the reply is friendly, knowledgeable and done in expedite manner. Reviewed on: 7th April 2026

Being able to pay in 4 makes life easier

Being able to pay amounts in 4 payments with no interest helps us to manage our budget better. We have spoken to the customer service before who are very helpful. Reviewed on: 7th April 2026

PayPal credit is a life line

PayPal pay credit option has been really helpful when I need something but am close to pay day or running low in cash. I really like how they’ve brought out a credit card and debit card recently to maximise use across retailers and methods even physically in shops rather than just virtually (online shopping). Be aware of interest rates and repayment amounts that slightly increase on minimum payment linked to how much credit you use. Interest rates could be better considering cost of living as a whole in the UK. Reviewed on: 7th April 2026

Very helpful

Very helpful. Kind of credit card facilities but better. Reviewed on: 7th April 2026

Super simple way to pay with options for a bit of fr...

Super simple way to pay with options for a bit of free credit when you need it Reviewed on: 7th April 2026

ways there when I need a bit of extra help with m...

Allways there when I need a bit of extra help with my finances Reviewed on: 7th April 2026

Paypal is 10/10 for convenience

Using PayPal is convenient and easy to use. It’s safe and I would rather use this method than entering my bank details. On one occasion I had wrongly been subscribed to a fraudulent company and PayPal intervened and got my refund and the subscription stopped. Reviewed on: 7th April 2026

Great service a convenient way to shop

Great service a convenient way to shop Reviewed on: 7th April 2026

Great and easy to use, only comment is the interest...

Great and easy to use, only comment is the interest rate is high Reviewed on: 7th April 2026

Flexibility

Always use to spread the costs and pay either over 3 instalments or over 4 months. Money is taken out via DD so no on going charges. Always reliable and added bonus having online protection. Reviewed on: 7th April 2026

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