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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148211 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd 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 (148211)

Love PayPal easy way to pay for things and reliable...

Love PayPal easy way to pay for things and reliable Reviewed on: 21st April 2026

Makes borrowing for small purchases easy to manage

Makes borrowing for small purchases easy to manage Reviewed on: 21st April 2026

Excellent

Excellent way to pay for easy repayments Reviewed on: 21st April 2026

From start to finish I can highly recommend Paypal C...

From start to finish I can highly recommend Paypal Credit! Reviewed on: 21st April 2026

Game-changer for spending across the UK and Europe!

PayPal is a total game-changer for spending across the UK and Europe! Its Credit line is incredibly handy, giving a 0% interest for four months on anything over £99—perfect for spreading the cost of bigger treats. For daily life, the Debit Card is a must-have; earning cashback on every purchase, and it’s a lifesaver for travel since there are no transaction fees abroad. Plus, with PayPal’s famous Buyer Protection, shopping across borders has becoming more east with total peace of mind. It’s simple, secure, and rewarding for spending. Reviewed on: 21st April 2026

Simply the best in their class

Never had any issues in the 20 years I have used them. Very easy to use and great short term credit Reviewed on: 21st April 2026

Good fast way to transfer and manage your money

Good fast way to transfer and manage your money Reviewed on: 21st April 2026

A payment source that you can trust

Been using PayPal credit for a number of years now and it makes it so easy to checkout with a trusted service that I know will have my back if anything is amiss. Reviewed on: 21st April 2026

Simple, Convenient and Reliable

PayPal Credit is genuinely convenient when you need a bit of breathing room financially. The app is straightforward to navigate, which makes managing payments and checking your balance quick and stress-free. I also like that there are rewards or points each time you use the credit—it adds a little extra value to everyday spending. That said, it’s still important to stay mindful of interest rates and repayment terms, as those can catch you off guard if you’re not paying attention. Overall, it’s a helpful option for short-term flexibility, especially if used responsibly. Reviewed on: 21st April 2026

It’s been largely positive except when I have bought...

It’s been largely positive except when I have bought items on EBAY and needed to complain. I have found both companies not always aligned. Reviewed on: 21st April 2026

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