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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147263 reviews)

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4.73

Based on 147,219 reviews, last reviewed 1st Jul 2026

4429350% increase in 5 star reviews

in the past 90 days

12900% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Top Notch I feel very safe and secure when using PayPal. Quick and easy to use. You receive just the right amount of emails for what is required. Reviewed on: 1st July 2026

Latest lowest rating:

1

Love PayPal but not PayPal credit Great if you want it but difficult to cancel the PayPal credit. I think PayPal credit is purposefully confusing to hook people in. My mother didn’t re... Read more Reviewed on: 1st 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 (147263)

The PayPal is very good platform for everyone and wo...

The PayPal is very good platform for everyone and work in a lot of countries and businesses! Reviewed on: 2nd May 2026

Easy way to budget

I’ve used it to buy things I can’t afford in one go but can easily pay for over 3 months - I love it sorting everything out for me. Sometimes by the end of the month you run out of money and need a little helping hand Reviewed on: 2nd May 2026

good scheme but missing functionalities

This is a good scheme but it's missing some basic functionalities. In example I have missed a payment, but nowhere on the app or website does mention it or allow me to pay it - any payments made, even over the minimal+missed amount, don't go toward the missed payment. Same with buying something using paypal credit, you agree on let's say 3 months with 0% apr, then having to pay apr. but if the purchase balance is only a part of your total balance, there is no way to make sure the money you pay back goes directly to that purchase to avoid apr increasing. it goes towards the general balance. Reviewed on: 2nd May 2026

You know where you stand and everything is clear.

You know where you stand and everything is clear. The notification keep you up to far and fully informed and the pay in 3 is brilliant as I don’t always have the available funds to pay in one go but I know I can spread over 3 payments with no additional cost Reviewed on: 2nd May 2026

It has been great using PayPal.

It has been great using PayPal. However, my payment is stressful. I cant tell if money has been deducted or not. I wish repayment could be a lot easier, money deducted at source Reviewed on: 2nd May 2026

I use PayPal regularly as its a trusted payment serv...

I use PayPal regularly as its a trusted payment service. Ive been using PayPal for over 20 years now, its always been so easy to use. I feel a lot happier using it because for 1 it keeps your identity safe, plus you have protection on things you buy. I bought something off wowcher a number of years ago, I never received my order and wowcher wouldnt give me a refund, I contacted PayPal & they took control of the situation and shortly after I received a refund in full, thank you PayPal. This is the reason I prefer to pay using it, because my payments are protected. Reviewed on: 2nd May 2026

PayPal stands out as the best retail financial provider

PayPal stands out as the best retail financial provider because it gives people something that matters most with money, trust. It makes payments fast, simple, and secure, while giving customers real peace of mind through strong buyer protection and fraud security. In a world where people want convenience without risk, PayPal delivers both, making everyday spending feel safer and easier. Reviewed on: 2nd May 2026

PayPal is reliable and secure.

PayPal is reliable and secure. Rather than keep entering payment details into numerous Web sellers, I only have to deal with one. This makes all my transactions easier to keep tabs on. Reviewed on: 2nd May 2026

Great service

Great service and always helpful with what ever you are doing. Reviewed on: 2nd May 2026

An excellant credit facility!!

A superb way of spreading the cost of large purchases, especially at the current financial state of the UK, and at very little cost to the home budget. My home finances get an added boost with this feature built in to my account, with the options of increasing or maintaining paying the current balance as I choose. PayPal Credit is the main 'Loan Ranger' for me. Reviewed on: 2nd May 2026

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