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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146214 reviews)

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4.73

Based on 146,206 reviews, last reviewed 29th Jun 2026

4382850% increase in 5 star reviews

in the past 90 days

12600% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure and simple I find PayPal so simple and easy to use whilst also being very safe. Reviewed on: 29th June 2026

Latest lowest rating:

1

This is the worst lending service provider I have ev... This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t ha... Read more Reviewed on: 29th June 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 (146214)

Easy! Simple and easy to use!

Simple and easy to use! Great app Reviewed on: 19th April 2026

I’ve used PayPal for around 12 yrs now & will contin...

I’ve used PayPal for around 12 yrs now & will continue to do so. Peace of mind that your purchases are covered is a big win for me & the pay in 3 interest free is something that comes in really handy too. I’ll continue to use PayPal while ever it continues to give this great service. Reviewed on: 19th April 2026

PayPal Credit

Frequently use PayPal to make payments over 3 months, it really helps with budgeting. You can shears check the status of your credit & payoff early when you need to. Reviewed on: 19th April 2026

Very happy with PayPal

PayPal has been good to me so far. I’m happy. Reviewed on: 19th April 2026

I use PayPal for absolutely everything.

I use PayPal for absolutely everything. 5 star every time. The customer service is fantastic. I always recommend to friends and family. Reviewed on: 19th April 2026

I find PayPal easy to use, convenient and really han...

I find PayPal easy to use, convenient and really handy for the smaller priced things I need when money is tight. PayPal feels safe to use and the money paid quickly. I don’t use any credit cards from banks as it’s easier on my phone, and probably more secure. PayPal is always my go to when money is tight. Reviewed on: 19th April 2026

Paypal Credit - a nightmare of an organisation.

Paypal Credit is convenient but extremely fruistrating, On the one hand they offer 4 months interest free credit which allows you to spead the cost of a purchase at no extra charge but on the other hand Paypal itself seems to be ignorant as to the actual product and in the event of a dispute Paypal Customer service will tell you to contact your financial institution oblivious to the fact that they are the financial institution. You have to be prepared to spend several months arguing with them over even the smallest issue and then, despite veryu many past ombudsman rulings making the law clear, you also have to be prepared to engage with the FOS if you want to raise a complaint, Paypal will, in my own experience, tell you things which are false in order to persuade you to let them keep your money then they should in fact refund you. Reviewed on: 19th April 2026

Good service always and I appreciate interest free d...

Good service always and I appreciate interest free deals Reviewed on: 19th April 2026

Payment options

Like the pay in three option as well as normal credit Reviewed on: 19th April 2026

Excellent service.

Excellent service and I felt safe buying from a random website because I knew PayPal had my back. Reviewed on: 19th April 2026

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