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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (58996 reviews)

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4.91

Based on 58,996 reviews, last reviewed 11th Apr 2026

755200% increase in 5 star reviews

in the past 90 days

2400% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Excellent service. Excellent service. For 3 in one payouts Reviewed on: 11th April 2026

Latest lowest rating:

1

PayPal uses a scamming scheme to charge money ! I have a few direct debits with PayPal credit, some if them are automatically amended and some doesn't, I have to pay them manually, and if I forget b... Read more Reviewed on: 11th April 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 (58996)

User friendly app, easy to access but poor customer...

User friendly app, easy to access but poor customer support service. Reviewed on: 11th April 2026

Paypal is the Best way to pay.

Paypal is the Best way to pay...A really secure way to pay ;0) Reviewed on: 11th April 2026

Good overall, and security when purchasing online

Payment options are good though I had a couple of issues a while back with my direct debit pay 3 where the money wasn't taken. Thankfully resolved when I payed via app and haven't had this problem recently, on the whole I find it very good and feel protected especially over disputes when purchasing online Reviewed on: 11th April 2026

pay in 3 interest free

pay pal credit gives yyou pay in 3 options. which could come very handy. However, the limit of the purchase for this option is not as much as your credit limit. Reviewed on: 11th April 2026

It’s good

It’s good I’ve been using it for years Reviewed on: 11th April 2026

Simple, Flexible Credit Option with Clear Repayments

I’ve had a really positive experience using PayPal Credit. It’s been a convenient and flexible way to spread the cost of purchases, especially for larger payments that I’d rather not pay all at once. The application process was quick and straightforward, and I got a decision almost instantly. One of the main benefits is how seamlessly it integrates with PayPal at checkout - it’s there as an option without needing to go through a separate process each time. I also like the promotional offers, such as 0% interest for a set period, which can be really helpful if you’re organised with repayments. The app and online account make it easy to track your balance, upcoming payments, and transactions, which helps with budgeting. Payments are simple to manage, and I’ve found everything to be quite transparent in terms of what’s owed and when. That said, it’s definitely something to use responsibly. Interest rates can be quite high if you don’t pay off the balance within the promotional period, so it’s important to stay on top of payments. Overall, PayPal Credit is a useful financial tool if you’re looking for flexibility and convenience, as long as you manage it carefully. Reviewed on: 11th April 2026

PayPal - a great way to manage your purchases

So easy to use and manage. Speedy and precise. Accepted at the majority of online suppliers I use. Love the 4 months interest free credit offer. Would highly recommend to anyone looking for a secure online payment method. Reviewed on: 11th April 2026

Adds confidence to purchases

Simple fast payment process. Accepted with many retailers. Feel extra protection when using rather than handing my bank details over to numerous merchants. Communication is rapid and clear. Easy to navigate site. Reviewed on: 11th April 2026

I have always found it easy and accessible

I have always found it easy and accessible Reviewed on: 11th April 2026

Flexible and trustworthy.

Flexible and trustworthy. Good comms and responsible financing options Reviewed on: 11th April 2026

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