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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

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4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 (181153)

Great Rewards and Flexible Payments

I’ve had a positive experience with PayPal Credit overall. One of the best features is the ability to collect points when spending with linked credit or debit cards and then redeem those points for rewards. I also really like that purchases over £100 on PayPal Credit can be spread over 4 months, which provides useful flexibility and helps with budgeting. There are, however, a couple of areas that could be improved. Firstly, when using PayPal Credit, it can sometimes take a week or more for transactions to appear and for the balance owed to update. This can make it difficult to keep track of spending in real time. Secondly, when transferring money from a linked bank account to a PayPal debit card, the transfer can take several days to arrive. Given that the accounts are already linked and verified, it would be great if these transfers could be processed much faster. Overall, PayPal offers a convenient service with some excellent benefits, but improving transaction and transfer speeds would make the experience even better. Reviewed on: 9th June 2026

It help me a lot of times and It is...

It help me a lot of times and It is very helpful Reviewed on: 9th June 2026

does what it says on the tin

Not much to say does what it says on the tin and the customer service is helpful Reviewed on: 9th June 2026

Never had an issues with my account it just works!

Never had an issues with my account it just works! Reviewed on: 9th June 2026

Love the free credit for 4 months.

Love the free credit for 4 months. Reviewed on: 9th June 2026

A good range of products

Efficient and effective with a good range of products Reviewed on: 9th June 2026

I've had nothing but consistently good experiences w...

I've had nothing but consistently good experiences with PP since I've been a member (many years ago). The credit options are very helpful especially during these trying times. Reviewed on: 9th June 2026

Always been a handy feature

Always been a handy feature and when I’ve reached out to customer services they’ve been very helpful and friendly Reviewed on: 9th June 2026

Excellent service, both online and with a credit card.

Paypal Credit is an excellent service, both online and using a credit card. It outclasses other credit cards by providing 0% finance on purchases of £99 and over for up to 4 months, and the Pay-in-3 service is very handy for urgent purchases below that limit. My experience has been problem free and I use it regularly. Reviewed on: 9th June 2026

PayPal is safe and secure and simple to use.

PayPal is safe and secure and simple to use. I can quickly move money to my family and pay for goods and services. Reviewed on: 9th June 2026

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