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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148188 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148188)

I love my paypal credit for the fact it offers the 4...

I love my paypal credit for the fact it offers the 4 months interest free, thats better than a credit card Reviewed on: 7th May 2026

I have used PP for over 20 years, I love it!

I have used PP for over 20 years and I love it!!! Reviewed on: 7th May 2026

3 months interest free

I bought musical instruments online and decided to use PayPal , an offer of 3 monthly payments, interest free came up , I took it ! Reviewed on: 7th May 2026

Exactly what I needed for emergency payment and peac...

Exactly what I needed for emergency payment and peace of mind. Reviewed on: 7th May 2026

Always use PayPal very trustworthy and Always get an...

Always use PayPal very trustworthy and Always get any problems sorted Reviewed on: 7th May 2026

easy access ,helpfuel,straight forward

easy access ,helpfuel,straight forward Reviewed on: 7th May 2026

Good and easy to use, but statements could be clearer

I have had a good experience using PayPal Credit. It is easy to use, almost like a normal debit or credit card, and I find it very convenient for online payments. I also like that it is simple to transfer money abroad, which makes PayPal useful for everyday needs. One thing I think could be improved is the rewards points. In my opinion, the points are quite low, especially when it is only one point per £1, and PayPal Credit gives 1p per £10. It would be nice if customers could earn a little more. The statements are also a bit confusing. When using two cards, the transactions can appear together in one statement, which makes it harder to understand and find the right information. It would be better if PayPal made the statements clearer and easier to separate, both on the app and on the computer. Overall, I trust PayPal and appreciate the service. Thank you PayPal, and please keep up the good work. Reviewed on: 7th May 2026

Great addition to have

Straightforward and easy to use, interest free options are great and helpful, Reviewed on: 7th May 2026

Great, no issues and keeps payments spread.

Great, no issues and keeps payments spread. Being able to pay off early helps also. Highly recommended Reviewed on: 7th May 2026

Great experience helping me alot

Great experience helping me alot Reviewed on: 7th May 2026

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