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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (180938 reviews)

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4.73

Based on 180,932 reviews, last reviewed 18th Jul 2026

296% increase in 5 star reviews

in the past 90 days

359% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Brilliant Always use pay pal on a regular basis i use pay in 3 the most described in one word brilliant Reviewed on: 18th July 2026

Latest lowest rating:

1

Endless Loop Trying to Close PayPal Credit They make it almost impossible to close your PayPal Credit account. I've spent hours trying to get mine closed over multiple occasions, only to be tol... Read more Reviewed on: 17th 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 (180938)

PayPal Credit: No catch, just results

I’ve always been cautious with credit. The small print, the creeping interest, the vague promises – they usually give me a headache. So when I first saw PayPal Credit’s “Pay in 3” and “4 months interest-free on £99+”, I assumed there had to be a catch. There wasn’t. A few months ago, my daughter’s 3D printer died mid-project – a robotics competition deadline was breathing down our necks. A new one cost £250. We didn’t have £250 spare. But we had PayPal. One click, and PayPal Credit approved me instantly. I chose the 4-month, 0% option. No hidden fees, no jump in APR later – just a clear, simple plan. That printer arrived the next day. She finished her prototype. She won the regional finals. Here’s the part I didn’t expect: PayPal Credit reminded me every month exactly what was due, and let me pay early with no penalty. I cleared it in three months. My credit score actually went up – because they report responsible use to the agencies. It’s not just a “buy now, worry later” tool. When used right, it’s a bridge. A very fair, transparent, no-trick bridge. Most reviews compare APRs or limits. I’ll compare results: a happy kid, a working printer, zero stress. Reviewed on: 27th May 2026

Paypal Credit is easy to use.

Paypal Credit is easy to use. The conditions are fair and easy laid out. Especially with the new Paypal Credit Card it is easy to pay for your shopping using Paypal Credit even on sides who don’t usually accept Paypal or in shops. On the app or web your current credit is clearly laid out and payments are easily made. Reviewed on: 27th May 2026

Love using PayPal, it always makes me feel safe when...

Love using PayPal, it always makes me feel safe when making a purchase. I know they have got my back. I’ve had a few problems with purchases in the past & PayPal has always resolved the problem or given me the advise l’ve needed to get it resolved. I would whole heartedly recommend them as a secure & safe method of payment with lots of affordable options. Thanks PayPal Reviewed on: 27th May 2026

Quick, easy and peace of mind when paying

Quick, easy and peace of mind when paying Reviewed on: 27th May 2026

Great app and customer service

I like that my PayPal credit and activity is all available to view clearly in the app which helps me to manage my finances easily. Whenever I have had any problems with purchases, PayPal have resolved these for me Reviewed on: 27th May 2026

Always had a great service and been happy to help wh...

Always had a great service and been happy to help where issues have arisen and have faith in any problems being resolved in a timely and efficient ways Reviewed on: 27th May 2026

Very easy to use and great service

Very easy to use and great service Reviewed on: 27th May 2026

Excellent experience highly recommend

Excellent experience highly recommend Reviewed on: 27th May 2026

It’s a very useful tool that get me out a of a jam,...

It’s a very useful tool that get me out a of a jam, or if I’m making a larger purchase and need more time to pay it off. I think the notification side of it could be a little bit better as sometimes I left owning a small amount that I don’t know about Reviewed on: 27th May 2026

My experience with PayPal has generally been excellent.

My experience with PayPal has generally been excellent. It is easy to use for sending and receiving payments, and transactions are usually fast and convenient. Also, I like how widely accepted it is for online payments. In addition, PayPal’s credit card services are among the best, offering convenience and useful features that make payments easier and more flexible. Reviewed on: 27th May 2026

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