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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

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4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181154)

Simple and easy to understand.

Simple and easy to understand. Multiple options, and secure for sending money to people. Have been using PayPal for quite some time. I usually only use for small purchases or sending money, but now I have their credit card too. The 4 months interest free period on purchases over £99 is great Reviewed on: 9th June 2026

Great security with PayPal for my online purchases

Great security with PayPal for my online purchases Reviewed on: 9th June 2026

Good service .

No issues at all with using. PayPal . Plenty of payment variations for larger purchases . Payment reminders received in plenty time and can set to payment date to align with due date . Customer services are helpful . Reviewed on: 9th June 2026

Very straightforward form start to finish

Very straightforward form start to finish Reviewed on: 9th June 2026

Good credit limit and easy to make payments

Good credit limit and easy to make payments Reviewed on: 9th June 2026

Quick and Easy

I found using PayPal credit very easy and the app is simple to use. I have found when contacting PayPal for any assistance that the staff are always helpful and very quick to respond to any queries Reviewed on: 9th June 2026

Great options for credit

Buy things over £100 and can get 4 months to pay with no interest. Helpful staff if I have a question. Your not left hanging on the phone for too long either. Reviewed on: 9th June 2026

Never had any issues, always offered 0% which makes...

Never had any issues, always offered 0% which makes life easier Reviewed on: 9th June 2026

PayPal helps me to save and spend responsibly

PayPal has allowed me to use the credit so that I can buy goods and services at reduced rates and this helps me to not only budget and plan my spending but it ensures that I can afford the monthly payment at 0% interest. Reviewed on: 9th June 2026

PayPal continues to set a high standard

PayPal continues to set a high standard for secure, reliable and convenient digital payments. As a consumer, I value how easy it is to send and receive money, make online purchases, and manage transactions with confidence. The platform is user-friendly, widely accepted, and provides reassurance through its buyer protection and clear transaction records. I particularly value the flexibility offered through services such as Pay in 3 and PayPal Credit, which give customers more choice in how they spread the cost of purchases when needed. Pay in 3 is especially useful for managing larger purchases in a simple and transparent way, while PayPal Credit provides an additional level of flexibility for consumers who want more control over their spending. Overall, PayPal has made online shopping and digital payments simpler, safer and more accessible. Its combination of security, convenience, flexibility and consumer-focused features makes it a service I regularly rely on. Reviewed on: 9th June 2026

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