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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (157104 reviews)

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4.73

Based on 154,578 reviews, last reviewed 6th Jul 2026

1452% increase in 5 star reviews

in the past 90 days

1727% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always find them extremely helpful and any issues re... Always find them extremely helpful and any issues resolved quickly Reviewed on: 6th July 2026

Latest lowest rating:

2

Ripped off by seller. Ripped off by seller. PayPal was zero use in getting any .money back. Would not use again. Reviewed on: 6th 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 (157104)

I love PayPal.

I love PayPal. It is super convenient and easy to use. Love all the different payment options. Very flexible. Designed around any budget . Then there is now PayPal+. They really are great. I have utilised the pay in 3 option on many occasions and it is so good, especially for any large unexpected purchases. It does help. Reviewed on: 29th April 2026

I’ve had a really positive experience using PayPal C...

I’ve had a really positive experience using PayPal Credit over the past year or so. It’s become a genuinely useful tool for managing larger purchases without putting pressure on my day-to-day finances. One of the biggest advantages is how straightforward it is to use. If you already have a PayPal account, everything integrates seamlessly at checkout. There’s no need to enter extra details or go through a long application process each time, which makes it really convenient when shopping online. The promotional offers are a standout feature, especially the “0% interest for 4 months” option on qualifying purchases. It gives you flexibility to spread the cost without incurring extra charges, as long as you stay on top of repayments. I’ve used this a few times for bigger purchases, and it’s made budgeting much easier. The interface is clear and easy to understand, with a simple breakdown of what you owe, when payments are due, and how much interest applies if you go beyond the promotional period. That transparency makes it easier to stay in control and avoid surprises. Overall, PayPal Credit is a reliable and convenient option if used responsibly. It’s ideal for giving yourself a bit of breathing room financially while still keeping everything organised in one place. Reviewed on: 29th April 2026

Very good and professional advice!

Very good and professional advice! Reviewed on: 29th April 2026

I find when making bigger purchases, PayPal credit g...

I find when making bigger purchases, PayPal credit gives me the opportunity to spread the cost. This is very beneficial and makes it easier to afford more expensive items Reviewed on: 29th April 2026

Good in general , although sometimes I have trouble...

Good in general , although sometimes I have trouble understanding pay pal credit and my pay pal account. I also once paid for shoes twice without realising and struggled to speak to anybody directly. They adjudicated not in my favour and there wasn’t really a way of contesting / explaining Reviewed on: 29th April 2026

Very good experience 5/5

Very good experience , I used pay pal a lot especially paying items that I don’t the seller so they can tell you if it is good or bad Reviewed on: 29th April 2026

Good that PayPal offer interest free periods

Good that PayPal offer interest free periods Reviewed on: 29th April 2026

Fantastic and responsible payment plans

Fantastic and responsible payment plans Reviewed on: 29th April 2026

I have only recently started using PayPal Credit, bu...

I have only recently started using PayPal Credit, but the experience has been fantastic so far. Very user friendly. Reviewed on: 29th April 2026

Very easy to use.

Very easy to use. Can feel confident knowing that your banking information is not being shared. Reviewed on: 29th April 2026

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