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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)

PAYPAL A REMARKABLY A LIFE-SAVING SERVICE

Since signing up for PayPal, I’ve had a fantastic experience. The app is incredibly easy to navigate and greets you with your balance, which helps me remember to pay my bills. I also signed up for PayPal Credit, which has been a lifesaver while shopping. It’s quick and simple to make a transaction and it makes life so much easier. As someone who usually struggles to get credit due to my disability, I’m delighted that PayPal accepted me. My purchasing power has increased and it’s much easier to manage my finances. Overall, it’s truly changed my life, giving me the independence I need with my money. One improvement I’d like is the ability to choose the amount of money to pay for each individual purchase in PayPal Credit. Currently, it’s all lumped together and gradually decreases based on your total payments. I also like that you can transfer money between other people, which has made life easier for my family. They can transfer as needed. I’ve not really tried some of the PayPal features yet but I’m keen to explore the crypto aspect. Upon inspection, it seems pretty straightforward so I’ll definitely be using it soon. My favourite feature is the pay in three service. It’s allowed me to buy gifts I might not be able to afford right away. Paying in three easy monthly instalments has made it possible to surprise family members with birthday gifts. Reviewed on: 16th April 2026

Great app.

Great app. Does everything I need it to do Reviewed on: 16th April 2026

PayPal is super trustworthy and reliable always been...

PayPal is super trustworthy and reliable always been my top provider when I have needed to use credit/pay in installments. Wouldn’t trust any other company Reviewed on: 16th April 2026

Great service and easy to set up!

Was easy to set up direct debit and very clear to keep track of payments made and balance. to pay Reviewed on: 16th April 2026

Always there when needed like a best friend.

Always there when needed like a best friend. Reviewed on: 16th April 2026

Good customer service, on time resolved the issues,...

Good customer service, on time resolved the issues, convenient payment options, easy to use the app. Reviewed on: 16th April 2026

PayPal has offered me a life line.

PayPal has offered me a life line when it comes to either paying over 3 months or longer with the credit option for essential bills like spreading the cost of my heating oil bill Reviewed on: 16th April 2026

I love it as it’s so easy to use

I love it as it’s so easy to use, I feel safe using it, I wouldn’t use any other apps Reviewed on: 16th April 2026

Fantastic customer service from start to finish.

Fantastic customer service from start to finish. Reviewed on: 16th April 2026

I have been using PayPal for nearly 2 years and the...

I have been using PayPal for nearly 2 years and the experience is awesome. Low effect on your credibility and high support for you financial conditions Reviewed on: 16th April 2026

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