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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (99965 reviews)

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4.90

Based on 99,965 reviews, last reviewed 6th May 2026

2268150% increase in 5 star reviews

in the past 90 days

6450% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Reliable for Larger Purchases and Helpful for Budgeting I use PayPal Credit infrequently, mainly for larger purchases, because I know I’m protected against fraud and can spread the cost over four months. It... Read more Reviewed on: 6th May 2026

Latest lowest rating:

2

Poor service / payment standards and website. Cant get to speak to a real person when wanting to know about a payment. Important point you try to save money on staff costs BUT the bot based assis... Read more Reviewed on: 6th May 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.

PayPal PayPal Credit reviews (99965)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

PayPal review

Excellent service. Saved me time and money. Reviewed on: 3rd May 2026

No nonsense, easy to use service.

No nonsense, easy to use service. Reviewed on: 3rd May 2026

Reliable and Convenient Payment Service

I’ve had a very positive experience using PayPal Credit. The application process was simple, payments are easy to manage, and transactions are processed quickly. I like how convenient it is for online purchases and the flexibility it offers when budgeting larger payments. The app and website are user-friendly, and customer support has been helpful whenever I needed assistance. Overall, it’s been a reliable and secure service that I would recommend to others. Reviewed on: 3rd May 2026

Been with them from the start always supportive and...

Been with them from the start always supportive and easy to use Reviewed on: 3rd May 2026

Very easy to use like any other debit card

Very easy to use like any other debit card Reviewed on: 3rd May 2026

It’s great, enables me to but now pay later on exper...

It’s great, enables me to but now pay later on experiences, if I don’t have the money upfront when tickets are released I can purchase and pay later to secure my spot! - although I can’t easily work out how to pay off 0% promotions? Reviewed on: 3rd May 2026

Paypal is a safe and easy way to pay, making it easy...

Paypal is a safe and easy way to pay, making it easy for me to make purchases Reviewed on: 3rd May 2026

Great app easy to use tommake payments

Great app easy to use make your miney go further by earning on spending. I use all my transactions via paypal credit and then pay off end of month win win! Reviewed on: 3rd May 2026

Flexible but requires discipline to avoid interest

I’ve been using PayPal Credit for a while now and overall my experience has been mixed, but mostly positive depending on how you manage it. One of the biggest advantages is the flexibility it offers. It’s very convenient for spreading the cost of purchases, especially when unexpected expenses come up. The integration within PayPal makes it easy to use at checkout, and the option for promotional 0% interest periods is helpful if you are organised and able to pay within the timeframe. However, it definitely requires discipline. If you don’t keep track of your spending or miss payments, the interest can add up quickly. Direct Debit is not automatically set up, which means you need to remember to make payments yourself unless you manually enable it. This can be risky for people who are busy or managing a lot financially. From my experience, making larger payments rather than minimum payments helps reduce the balance faster and avoid unnecessary interest. The app itself is clear and easy to use, showing balances, available credit, and recent activity in a simple way. That said, the credit limits may feel restrictive for bigger purchases, and not all transactions qualify for promotional offers. Also, customer awareness could be improved, especially around repayment expectations and interest after promotional periods end. Overall, PayPal Credit is a useful tool if used responsibly. It works well for short-term borrowing and planned purchases, but I would not recommend relying on it for large expenses unless you are confident in your ability to repay on time. Rating 5/5 Reviewed on: 3rd May 2026

Excellent Flexible Payment Plans

I use for most of my big payments due to its flexibility on payment plans especially pay in 3 Reviewed on: 3rd May 2026

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