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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181145 reviews)

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4.73

Based on 181,145 reviews, last reviewed 8th Sep 2026

43% decrease in 5 star reviews

in the past 90 days

25% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to set up, reminders when payment is due. Easy to set up, reminders when payment is due. Reviewed on: 8th 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 (181145)

Quick, easy, and offers great financial peace of mind.

I’ve used PayPal for years, and PayPal Credit has made budgeting for larger purchases way less stressful. I’ve used it for countless purchases and the 6-month no interest offer on £99+ meant I could spread costs comfortably without fees. That flexibility has been a huge help. Application took under a minute through my PayPal account and it just shows up at checkout everywhere PayPal is accepted. The PayPal app is simple and shows exactly what I owe each month and the due date. Customer service has also been excellent — they helped me retrieve a refund for a scam purchase, which gave me a lot of peace of mind. If you’re disciplined about paying on time, it’s a really useful tool for short-term flexibility. It’s worked exactly as advertised for me across years of use. Reviewed on: 9th June 2026

PayPal is excellent allowing you to pay over time

PayPal is excellent allowing you to pay over time Reviewed on: 9th June 2026

Brilliant best customer serice

Great to talk to i lost my card at a time payment was due. They were brilliant and supportive and understanding. Reviewed on: 9th June 2026

Very good to deal with. And perfect

Very good to deal with. Friendly and helpful. Very good value for what you get. Reviewed on: 9th June 2026

Pretty easy to use and good value but if you switch...

Pretty easy to use and good value but if you switch accounts via the current account switch the direct debit doesn’t always transfer. Reviewed on: 9th June 2026

Stressfree

It gives you that bit of stress free. Reviewed on: 9th June 2026

Easy to setup your account.

Easy to setup your account. Ease of use. Flexibility of the use of the account. Option of 3 month payments. Excellent choice of payment options. Very user friendly. Reviewed on: 9th June 2026

Great service.

Great service. Easy to use. 4 months interest free is great, when things go wrong this is a great back up. Reviewed on: 9th June 2026

I have a good experience with PayPal.

I have a good experience with PayPal. Never problem with payment. Thank you Reviewed on: 9th June 2026

Easy process

Easy. Used mostly instead of personal card. Reviewed on: 9th June 2026

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