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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (177268 reviews)

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4.73

Based on 177,088 reviews, last reviewed 11th Jul 2026

1233% increase in 5 star reviews

in the past 90 days

1072% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good costumer service. Very good costumer service. Good value of money, giving 0% for four months it’s so helpful Reviewed on: 11th July 2026

Latest lowest rating:

1

Terrible could not use and nothing would authorise Terrible could not use and nothing would authorise Reviewed on: 11th 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 (177272)

I’ve used PayPal for over 20 years and it’s always b...

I’ve used PayPal for over 20 years and it’s always been brilliant easy and user friendly. Reviewed on: 8th June 2026

I’ve never had any problems with the app or the PayP...

I’ve never had any problems with the app or the PayPal card I couldn’t be happier Reviewed on: 8th June 2026

I'm very happy, many thanks but I have problem about...

I'm very happy, many thanks but I have problem about direct debit minimum payment, to many times I tried but unfortunately I couldn't Reviewed on: 8th June 2026

Excellent as always

Whenever I have used PayPal it’s always been extremely easy to use and no hassle. Reviewed on: 8th June 2026

Always a happy and easy experience with PayPal!

Always a happy and easy experience with PayPal! Made my life so easy Reviewed on: 8th June 2026

I've been using PayPal for around 10 years and PayPa...

I've been using PayPal for around 10 years and PayPal Credit for ca 5. PayPal credit is by far the cheapest credit product out there after long term 0% credit cards, with the difference being that the 4 month 0% credit seems to stay on forever. This is hugely advantageous for bigger purchases allowing one to spread the cost of a payment over several months. The account is easy to manage. The only criticism I have is that when one makes a payment it can take 5-6 days before the monies get take nout of the account; I have spoken to PayPal about this and they say it's always the bank's fault, but I do not think this is hte case. I think this is how PayPal is able to charge fees to their customers as £12 is charged if there are not sufficient funds in the account when the payment comes out. I am confused how every other bank (and I am with a large number of them) is able to confirm a transaction within minutes, but for PayPal it takes 5-6 days. It doesn't computer. However, aside from this the product offering is great. Reviewed on: 8th June 2026

PayPal credit has been a lifesaver.

PayPal credit has been a lifesaver for spreading the cost of larger purchases. For instance, my cooker broke and I couldn’t afford the full price upfront. I hadn’t budgeted for a broken cooker that month and PayPal credit was a great option to replace it. I was grateful for the flexibility to pay over time. My experience has always been good. Reviewed on: 8th June 2026

Tension free shopping

Paypal credit gives me the freedom to shop without worrying too much ,buys me more time to repay without feeling the burden of big payments at one go. And the loyalty points are an added bonus plus many offers and deals with multiple retailers. Ease of use is one of the strongest asset in making it most widely used online payment choice Reviewed on: 8th June 2026

Feel safer using PayPal for transactions and feel co...

Feel safer using PayPal for transactions and feel confident they offer support to resolve any issues with retailers. Reviewed on: 8th June 2026

Great Company

Great company known worldwide and always feel they go above and beyond to help solve any issue and nowadays everyone takes this as a payment method which is brilliant Reviewed on: 8th June 2026

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