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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.732446875133585281 (144724 reviews)

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4.73

Based on 144,558 reviews, last reviewed 22nd Jun 2026

4308600% increase in 5 star reviews

in the past 90 days

12400% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good service all round This is brilliant for buying bigger things that are needed Reviewed on: 22nd June 2026

Latest lowest rating:

1

Not great experience getting my money back when I wa... Not great experience getting my money back when I was within my right Reviewed on: 22nd 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 (144724)

Always works as it should, good service

Always works as it should, good service Reviewed on: 17th April 2026

PayPal Credit has been a really useful financial too...

PayPal Credit has been a really useful financial tool for managing purchases more flexibly. The application process is quick and straightforward, especially if you already use PayPal regularly, and decisions are often made within minutes. One of the biggest advantages is the ability to spread the cost of larger purchases over time. The promotional offers, such as 0% interest on purchases over a certain amount (when paid within the agreed period), are particularly helpful for budgeting without immediately impacting your bank balance. It’s a convenient option when you need to make an essential purchase but prefer not to pay everything upfront. The integration with PayPal itself is seamless. You can choose PayPal Credit as a payment method at checkout with just a click, which makes online shopping much smoother. The interface is clear, and it’s easy to track your balance, transactions, and payment due dates. Customer service has also been reliable, with helpful support available when needed. Payments can be managed easily, and there’s flexibility in how much you repay each month (as long as you meet the minimum requirement). Overall, PayPal Credit is a great option for anyone looking for a simple, flexible way to manage spending, especially for online purchases. As long as you stay on top of repayments and understand the terms, it can be a very convenient and cost-effective financial tool. Reviewed on: 17th April 2026

Always is my go to.

Always is my go to. Never any problems Reviewed on: 17th April 2026

great help to spread cost

Really handy to have and the pay in 3 is a great help for buggeting Reviewed on: 17th April 2026

Great app.

Great app.easy to use and great for purchases Reviewed on: 17th April 2026

Great financial help, products and services

Great financial help, products and services Reviewed on: 17th April 2026

Easy to use on line

I was offered to apply for PayPal Credit as it explained that any items purchased over £99 would be interest free over the first 4 months if paid back in full, after that any remaining balance would revert back to their normal rate, this is brilliant, as unlike pay in 3 you do not have to pay the 1st payment up front. You also get an email to say when the payment is due and you also get emails advising of recent purchases and when the 4 month interest free period is ending. Reviewed on: 17th April 2026

Thank you PayPal

I’ve been a PayPal user for many years and they’ve been there through thick and thin for me. I’ve had refunds when I’ve been disappointed with a product or a service and they helped me when someone was trying to hack my PayPal accounts Thank you PayPal! Reviewed on: 17th April 2026

I haven’t had any experience with customer service a...

I haven’t had any experience with customer service as of yet so I can’t comment on that. There are a few things I wish Paypal would do regarding their app. The app does not reflect payments in and out as soon as it’s made which makes it very difficult to track actual spending in real time. If that’s something that could be worked on, I would appreciate it. Reviewed on: 17th April 2026

It’s great for my needs and I know to lay in time wo...

It’s great for my needs and I know to lay in time would recommend to all friends Reviewed on: 17th April 2026

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