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PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148265 reviews)

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4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd July 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 (148265)

Seamless and efficient.

Seamless and efficient. Clear instructions and information at all times. Reviewed on: 7th April 2026

It's very easy to use, the terms of use are very cle...

It's very easy to use, the terms of use are very clear, and the interest rates are accessible. Reviewed on: 7th April 2026

I always use PayPal to shop online - never had any i...

I always use PayPal to shop online - never had any issues - I love to be offered the pay in 3 - brilliant for budgets! Reviewed on: 7th April 2026

Always so simple and easy to use, and completely tru...

Always so simple and easy to use, and completely trusted too. I have complete confidence using PayPal Credit. Reviewed on: 7th April 2026

Good Service and Clear Information

Any problems are resolved quickly and the limits and terms are easy to see. You can setup automatic payments and see when payments are due in seconds. Reviewed on: 7th April 2026

When I had an issue with a seller who didn’t deliver...

When I had an issue with a seller who didn’t deliver on time I got my money back quickly and without fuss by using PayPal Reviewed on: 7th April 2026

The 'Standard' For A Reason

Been a PayPal customer for over ten years - they're as much a part of my finances as a standard bank account, and I can't think of any competitor that does what they do, including balance transfers, pay-in-three, and Paypal credit. I'll likely keep my account open until something either happens to me or them. Reviewed on: 7th April 2026

I have never had a problem with anything I have boug...

I have never had a problem with anything I have bought through PayPal and when I have had some issues they have resolved them quickly. I am always confident using it Reviewed on: 7th April 2026

PayPal Credit works well for me

I regularly use PayPal credit to make small purchases online. It's quick, easy, and helps me to increase my credit score. There have been a couple of times when I've missed a payment because I assumed a direct debit was set up, so I wonder if it could be a default to take a minimum payment from the connected bank if there is an immediate deadline. Overall though the service is great and when I've needed to contact customer service it's been easy to speak to a human on the phone and they've always solved my issue. Reviewed on: 7th April 2026

Great finance.

Great finance. Always use for easy purchases. Received £100 from Samsung off my new phone, just for using g PayPal. Fantastic Reviewed on: 7th April 2026

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