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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145298 reviews)

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4.73

Based on 145,221 reviews, last reviewed 25th Jun 2026

4338900% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very easy process to use when buying expensive items... Very easy process to use when buying expensive items good way to pay back debt over 4 months Reviewed on: 25th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th 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 (145299)

Always been very helpful and believe that they look...

Always been very helpful and believe that they look after you Reviewed on: 18th April 2026

Late payment warnings/reminders

So far no problems apart from payments failing and then being charged rather than given a warning to say if you pay within xxdays you wont have a late charge. Most of the time my payments fail because the money is in another account not because I don't have it Reviewed on: 18th April 2026

Great App

Great UI. Everything clear, easy to use and understand. 0% finance options are invaluable. Slick and intuitive app, suitable for anyone to use. Reviewed on: 18th April 2026

Paypal is easy to navigate, very quick to resolve an...

Paypal is easy to navigate, very quick to resolve any issues and excellent communication keeping you up to date, whether it be a dispute or just changes that are going to be up and coming to your account. Very happy with the service . Reviewed on: 18th April 2026

PayPal 0% repayment option

When I made a large purchase, PayPal offered me a 0% interest plan for 4 months, which has been very helpful. It allows me to manage my repayments more comfortably without putting too much strain on my monthly budget. I appreciate having this option, as it makes it easier to plan my finances and stay on track with payments. Reviewed on: 18th April 2026

Love PayPal

PayPal has provided me with options to purchase with ease and allows me to buy when I am unable to pay the whole fee upfront, could not express how this has helped me, PayPal is the best and the way forward, it offers so many options, thank you PayPal Reviewed on: 18th April 2026

Seamless secure transactions every time

Seamless secure transactions every time Reviewed on: 18th April 2026

A Year of Experience

After using PayPal Credit for a year, I can confidently say that it’s been a useful tool for managing payments and making larger purchases more manageable. The 6-month no-interest promotions are a great feature, and the lack of an annual fee is a bonus. However, I make sure to pay off my balance on time to avoid the steep interest rates. If you’re someone who plans to pay off your purchases in full within the promotional period, PayPal Credit can be an excellent way to spread out costs without paying interest. Just be cautious with the APR and always read the fine print.I use pay pal credit for online and store purchase and i have Reviewed on: 18th April 2026

Decent customer service - Any problems I have have b...

Decent customer service - Any problems I have have been dealt with Reviewed on: 18th April 2026

My experience with PayPal credit has been excellent,...

My experience with PayPal credit has been excellent, new features have been added Reviewed on: 18th April 2026

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