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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148805 reviews)

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4.73

Based on 148,766 reviews, last reviewed 4th Jul 2026

4499750% increase in 5 star reviews

in the past 90 days

13250% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use. Really easy to use. I feel safer paying with PayPal and won't buy if that option is not available Reviewed on: 4th July 2026

Latest lowest rating:

2

Can't make separate transfers. Can't make separate transfers. Just direct debit Reviewed on: 4th 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.

PayPal PayPal Credit reviews (148805)

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

Cash flow happy

I use Paypal mainly for pay in three or 4 month interest free credit purchases. It is easy to see what you owe, when you need to pay and what interest if any if to be paid. I couldn't do my monthly budgets without it. Reviewed on: 21st June 2026

Excellent service and support when you need it most,...

Excellent service and support when you need it most, and a very safe site to use for transactions where you are not 100% sure that a company is completely trustworthy. Reviewed on: 21st June 2026

Fantastic credit facility

I primarily use PayPal credit for a number of years. The 4 months interest free facility is excellent. Now I also have a physical card so am able to use in shops if required and online where they sometimes don’t accept PayPal. Customer service have always been very helpful and sorted any queries. Reviewed on: 21st June 2026

Better interest rates than most, easy to use.

Better interest rates than most, easy to use. Reviewed on: 21st June 2026

Very easily accessible and such a quicj response tim...

Very easily accessible and such a quicj response time for you to produce the agreement for review and signature Reviewed on: 21st June 2026

Living made easier with alternative options that mad...

Living made easier with alternative options that made suit your personal allowance Reviewed on: 21st June 2026

Solid choice.

Great experience every time. Highly recommended. Reviewed on: 21st June 2026

Using PayPal gives me confidence online purchases.

Using PayPal gives me confidence for online purchases. This with the added benefit of a 4 months interest free credit for purchases over £100 gives excellent value for money and allows me to spread the cost. PayPal provides notification in advance when the interest free period is about to end, which enables me to pay off and incur no interest charges or know that interest will be charged on the balance. PayPal is excellent at helping with any issues I have had with purchases to move towards a resolution that I am happy with. Reviewed on: 21st June 2026

App a little...difficult

When I need to contact PayPal I do find it a little difficult from time to time. I believe the app could be more user friendly Reviewed on: 21st June 2026

Paypal - the friend you never knew you needed

PayPal has always been there for me, it has allowed me to send money safely and pay for items with ease and protection. PayPal credit has also enabled me to buy things when I was short. Reviewed on: 21st June 2026

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