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PayPal: PayPal Credit reviews

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4.90
Based on 60,629 reviews, last reviewed 13th Apr 2026
903200% increase in 5 star reviews
in the past 90 days
3300% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
93%
See only 4 star reviews
6%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
0%

Latest highest rating:

5

Transparency, ease and suitable options. The best thing about PayPal is that it is very transparent service. You select the option that suits you and you are given clear information what you'... Read more Reviewed on: 13th April 2026
Anonymous's avatar
Anonymous

Latest lowest rating:

1

PayPal Direct Debit plan has been terrible. Terrible product and poor App. Direct debits are unable to offer bespoke payment dates as per the customers financial schedule. DD Payment dates are n... Read more Reviewed on: 13th April 2026
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HP
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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.

Review PayPal: PayPal Credit now

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PayPal PayPal Credit reviews (60629)

In any situation

5
In any situation PayPal customer service is always helpful. Reviewed on: 7th April 2026
Christine H's avatar
Christine H

PayPal credit is an essential for me

5
Used PayPal credit for multiple purchases over the years. Always reliable. I often use the 4 months interest free to pay for larger items to give me breathing room. Without it I would not have been able to buy half of the things I needed Reviewed on: 7th April 2026
Callum M's avatar
Callum M

PayPal is the banking centre for me

5
PayPal is there when I require a lender for smaller items as it gives me the flexibility to spread my costs across 2 or 3 months, which is a help when it comes my other monthly payments Reviewed on: 7th April 2026
John W's avatar
John W

I have been using paypal for many years and it keeps...

5
I have been using paypal for many years and it keeps getting better. Excellent customer service quick to respond when contacting them Reviewed on: 7th April 2026
Corky's avatar
Corky

I use PayPal to pay for most things online.

5
I use PayPal to pay for most things online. It’s quick & easy & I can pay in 3 & get credit to take longer to pay. I also have the PayPal credit card but haven’t used it yet. Reviewed on: 7th April 2026
Sharon S's avatar
Sharon S

Easy to use service and offers flexibility

5
Easy to use service and offers flexibility Reviewed on: 7th April 2026
Nat's avatar
Nat

PayPal credit pay in 4 is extremely usefull

5
PayPal credit pay in 4 is extremely usefull for budgeting purchases over £100. Only ever had 1 issue with a supplier and PayPal were easy to contact and reversed the payment immediately. PayPal is also very useful for pooling money from family around the world for a combined birthday present. Reviewed on: 7th April 2026
John Owen's avatar
John Owen

PayPal has been a rainy day Godsend

5
PayPal has been a “Godsend” especially on “rainy days” when I need a helping hand the most. Imagine, a 4 MONTH GRACE PERIOD. I pay back without even feeling it. Get the PayPal Credit for those “rainy days”. Reviewed on: 7th April 2026
Ben E's avatar
Ben E

Great service

5
Reliable, transparent, flexible and easy to use Reviewed on: 7th April 2026
Lyndsey B's avatar
Lyndsey B

I’ve had an easy experience with PayPal credit.

4
I’ve had an easy experience with PayPal credit. Getting accept was very smooth and there’s been no issues with using the service. When I’ve had to make payments from different accounts changing the payment method has been easy. Reviewed on: 7th April 2026
Tomas W's avatar
Tomas W

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