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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148160 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.

PayPal PayPal Credit reviews (148160)

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

I have always had any issues resolved very quickly a...

I have always had any issues resolved very quickly and straight forward. Reviewed on: 20th June 2026

It easy to checkout, I like the pay on.

It easy to checkout, I like the pay on. 3 option. Reviewed on: 20th June 2026

Simple to use. There if needed. Would recommend

Simple to use. There if needed. Would recommend to people. Reviewed on: 20th June 2026

PayPal is the best and only one I trust

Used PayPal for many years now, had no problems and even use PayPal credit, its so good Reviewed on: 20th June 2026

Love PayPal, it’s convenient and enables me to budge...

Love PayPal, it’s convenient and enables me to budget my money better Reviewed on: 20th June 2026

Excellent provider

Have had a few queries before and both were sorted very quickly without hesitation. PayPal Credit gives me the option to spread the cost of bigger items, at 0% or by splitting into 3 equal monthly payments - it’s very handy. It also saves me some time for checking out with saved details. I also think they are best for competitions and rewards too, having won some prizes in a recent campaign. Reviewed on: 20th June 2026

Good product easy to use.

Good product easy to use. Very happy to use Reviewed on: 20th June 2026

Great flexibility when you need it

I’ve really enjoyed using PayPal Credit and have found it a really convenient way to manage larger purchases without having to pay everything upfront. The whole process was really simple to set up, and I love that everything is managed easily through my PayPal account, making it quick and straightforward to keep track of payments. The flexibility it gives you is definitely one of the biggest benefits. It’s been really useful being able to spread the cost when needed, and having a clear overview of your account makes managing repayments much easier. As with any credit option, it’s important to be sensible and make sure you understand the repayments, terms and any interest involved before using it. Overall, I’ve found PayPal Credit to be a really helpful and convenient service. It gives you flexibility when you need it and the ease of managing everything in one place makes the experience really positive. Reviewed on: 20th June 2026

Quick answer and very polite and friendly

Quick answer and very polite and friendly Reviewed on: 20th June 2026

Brilliant to help spread the cost

I’ve used PayPal credit on and off for years and found it extremely helpful to spread the cost! Reviewed on: 20th June 2026

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