diff --git a/browser/ui/webui/brave_vpn/brave_vpn_localized_string_provider.cc b/browser/ui/webui/brave_vpn/brave_vpn_localized_string_provider.cc
index b98de934c932..59aa18aca145 100644
--- a/browser/ui/webui/brave_vpn/brave_vpn_localized_string_provider.cc
+++ b/browser/ui/webui/brave_vpn/brave_vpn_localized_string_provider.cc
@@ -111,6 +111,8 @@ void AddLocalizedStrings(content::WebUIDataSource* html_source) {
       {"braveVpnSettingsTooltip", IDS_BRAVE_VPN_MAIN_PANEL_VPN_SETTINGS_TITLE},
       {"braveVpnSessionExpiredContent",
        IDS_BRAVE_VPN_MAIN_PANEL_SESSION_EXPIRED_PART_CONTENT},
+      {"braveVpnOutOfCredentials",
+       IDS_BRAVE_VPN_MAIN_PANEL_OUT_OF_CREDENTIALS_TITLE},
   };
 
   for (const auto& str : kLocalizedStrings) {
diff --git a/components/brave_vpn/browser/brave_vpn_service.cc b/components/brave_vpn/browser/brave_vpn_service.cc
index e37884581a08..0061207afa87 100644
--- a/components/brave_vpn/browser/brave_vpn_service.cc
+++ b/components/brave_vpn/browser/brave_vpn_service.cc
@@ -368,6 +368,33 @@ void BraveVpnService::UpdatePurchasedStateForSessionExpired(
     return;
   }
 
+  // Person ran out of credentials.
+  // This should only happen if communication bewteen client and VPN provider
+  // is lost after the credential is redeemed (multiple times).
+  if (out_of_credentials_) {
+    const auto last_credential_expiry =
+        local_prefs_->GetTime(prefs::kBraveVPNLastCredentialExpiry);
+    if (!last_credential_expiry.is_null()) {
+      std::stringstream ss;
+      base::TimeDelta delta = (last_credential_expiry - base::Time::Now());
+      ss << "Out of credentials; check again in ";
+      if (delta.InHours() == 0) {
+        ss << delta.InMinutes() << " minutes.";
+      } else {
+        int delta_hours = delta.InHours();
+        ss << delta.InHours() << " hours ";
+        base::TimeDelta delta2 = (delta - base::Hours(delta_hours));
+        ss << delta2.InMinutes() << " minutes.";
+      }
+      VLOG(2) << __func__ << ss.str();
+      SetPurchasedState(
+          env, PurchasedState::OUT_OF_CREDENTIALS,
+          l10n_util::GetStringUTF8(
+              IDS_BRAVE_VPN_MAIN_PANEL_OUT_OF_CREDENTIALS_CONTENT));
+      return;
+    }
+  }
+
   // Weird state. Maybe we don't see this condition.
   // Just checking for safe.
   if (session_expired_time > base::Time::Now()) {
@@ -619,6 +646,7 @@ void BraveVpnService::OnCredentialSummary(const std::string& domain,
     VLOG(1) << __func__ << " : Treat it as not purchased state in android.";
     SetPurchasedState(env, PurchasedState::NOT_PURCHASED);
 #else
+    out_of_credentials_ = true;
     VLOG(1) << __func__ << " : Treat it as session expired state in desktop.";
     UpdatePurchasedStateForSessionExpired(env);
 #endif
@@ -678,6 +706,7 @@ void BraveVpnService::OnPrepareCredentialsPresentation(
     return;
   }
 
+  out_of_credentials_ = false;
   SetSkusCredential(local_prefs_, credential, time);
 
   if (GetCurrentEnvironment() != env) {
@@ -716,28 +745,28 @@ void BraveVpnService::OnGetSubscriberCredentialV12(
       return;
     }
 
-    // If we get here, we've already tried two credentials (the retry failed).
+    // We can set the state as FAILED and do not attempt to get another
+    // credential. The cached credential will eventually expire and user will
+    // fetch a new one.
+    //
+    // There could be two reasons for this.
+
+    // 1. We've already tried two credentials (the retry failed).
     if (token_no_longer_valid && IsRetriedSkusCredential(local_prefs_)) {
       VLOG(2) << __func__
               << " : Got TokenNoLongerValid again with retried skus credential";
+      out_of_credentials_ = true;
+      SetPurchasedState(
+          GetCurrentEnvironment(), PurchasedState::FAILED,
+          l10n_util::GetStringUTF8(IDS_BRAVE_VPN_PURCHASE_TOKEN_NOT_VALID));
+      return;
     }
 
-    // When this path is reached:
-    // - The cached credential is considered good but vendor side has an error.
-    //   That could be a network outage or a server side error on vendor side.
-    // OR
-    // - The cached credential is consumed and we've now tried two different
-    //   credentials.
-    //
-    // We set the state as FAILED and do not attempt to get another credential.
-    // Cached credential will eventually expire and user will fetch a new one.
-    //
-    // This logic can be updated if we issue more than two credentials per day.
-    auto message_id = token_no_longer_valid
-                          ? IDS_BRAVE_VPN_PURCHASE_TOKEN_NOT_VALID
-                          : IDS_BRAVE_VPN_PURCHASE_CREDENTIALS_FETCH_FAILED;
+    // 2. The cached credential is considered good but vendor side has an error.
+    // That could be a network outage or a server side error on vendor side.
     SetPurchasedState(GetCurrentEnvironment(), PurchasedState::FAILED,
-                      l10n_util::GetStringUTF8(message_id));
+                      l10n_util::GetStringUTF8(
+                          IDS_BRAVE_VPN_PURCHASE_CREDENTIALS_FETCH_FAILED));
 #endif
     return;
   }
diff --git a/components/brave_vpn/browser/brave_vpn_service.h b/components/brave_vpn/browser/brave_vpn_service.h
index b1884b5f2cf5..5721f8918602 100644
--- a/components/brave_vpn/browser/brave_vpn_service.h
+++ b/components/brave_vpn/browser/brave_vpn_service.h
@@ -253,6 +253,7 @@ class BraveVpnService :
   std::unique_ptr<BraveVPNServiceDelegate> delegate_;
   base::RepeatingTimer p3a_timer_;
   base::OneShotTimer subs_cred_refresh_timer_;
+  bool out_of_credentials_ = false;
   base::WeakPtrFactory<BraveVpnService> weak_ptr_factory_{this};
 };
 
diff --git a/components/brave_vpn/browser/brave_vpn_service_helper.cc b/components/brave_vpn/browser/brave_vpn_service_helper.cc
index da07d0990fd5..cf987e5e6b13 100644
--- a/components/brave_vpn/browser/brave_vpn_service_helper.cc
+++ b/components/brave_vpn/browser/brave_vpn_service_helper.cc
@@ -86,6 +86,7 @@ void SetSkusCredential(PrefService* local_prefs,
                 base::TimeToValue(expiration_time));
   local_prefs->SetDict(prefs::kBraveVPNSubscriberCredential,
                        std::move(cred_dict));
+  local_prefs->SetTime(prefs::kBraveVPNLastCredentialExpiry, expiration_time);
 }
 
 void SetSkusCredentialFetchingRetried(PrefService* local_prefs, bool retried) {
diff --git a/components/brave_vpn/common/brave_vpn_utils.cc b/components/brave_vpn/common/brave_vpn_utils.cc
index 63acf9f68dc9..61d6d75a5f76 100644
--- a/components/brave_vpn/common/brave_vpn_utils.cc
+++ b/components/brave_vpn/common/brave_vpn_utils.cc
@@ -43,6 +43,7 @@ void RegisterVPNLocalStatePrefs(PrefRegistrySimple* registry) {
   registry->RegisterStringPref(prefs::kBraveVPNWireguardProfileCredentials, "");
   registry->RegisterDictionaryPref(prefs::kBraveVPNRootPref);
   registry->RegisterDictionaryPref(prefs::kBraveVPNSubscriberCredential);
+  registry->RegisterTimePref(prefs::kBraveVPNLastCredentialExpiry, {});
   registry->RegisterBooleanPref(prefs::kBraveVPNLocalStateMigrated, false);
   registry->RegisterTimePref(prefs::kBraveVPNSessionExpiredDate, {});
 #if BUILDFLAG(ENABLE_BRAVE_VPN_WIREGUARD)
diff --git a/components/brave_vpn/common/mojom/brave_vpn.mojom b/components/brave_vpn/common/mojom/brave_vpn.mojom
index ce6c5d67eda9..31891ad875ad 100644
--- a/components/brave_vpn/common/mojom/brave_vpn.mojom
+++ b/components/brave_vpn/common/mojom/brave_vpn.mojom
@@ -114,6 +114,7 @@ enum PurchasedState {
   LOADING,
   SESSION_EXPIRED,
   FAILED,
+  OUT_OF_CREDENTIALS,
 };
 
 struct PurchasedInfo {
diff --git a/components/brave_vpn/common/pref_names.h b/components/brave_vpn/common/pref_names.h
index 5b8bfe47e90c..2947761fd8a8 100644
--- a/components/brave_vpn/common/pref_names.h
+++ b/components/brave_vpn/common/pref_names.h
@@ -60,6 +60,10 @@ inline constexpr char kBraveVPNEnvironment[] = "brave.brave_vpn.env";
 // Dict that has subscriber credential its expiration date.
 inline constexpr char kBraveVPNSubscriberCredential[] =
     "brave.brave_vpn.subscriber_credential";
+// Set the expiry of the last redeemed credential.
+// Useful in case redemption fails and person uses all credentials.
+inline constexpr char kBraveVPNLastCredentialExpiry[] =
+    "brave.brave_vpn.last_credential_expiry";
 
 // Time that session expired occurs.
 inline constexpr char kBraveVPNSessionExpiredDate[] =
diff --git a/components/brave_vpn/resources/panel/components/main-panel/index.tsx b/components/brave_vpn/resources/panel/components/main-panel/index.tsx
index c33f04b87eb7..6a24363cc9d9 100644
--- a/components/brave_vpn/resources/panel/components/main-panel/index.tsx
+++ b/components/brave_vpn/resources/panel/components/main-panel/index.tsx
@@ -106,7 +106,9 @@ function MainPanel() {
   const isSelectingRegion = useSelector((state) => state.isSelectingRegion)
   const connectionStatus = useSelector((state) => state.connectionStatus)
   const expired = useSelector((state) => state.expired)
+  const outOfCredentials = useSelector((state) => state.outOfCredentials)
   const regions = useSelector((state) => state.regions)
+  const stateDescription = useSelector((state) => state.stateDescription)
 
   const onSelectRegionButtonClick = () => {
     dispatch(Actions.toggleRegionSelector(true))
@@ -184,6 +186,16 @@ function MainPanel() {
             <SessionExpiredContent />
           </S.StyledAlert>
         )}
+        {outOfCredentials && (
+          <S.StyledAlert
+            type='warning'
+            mode='full'
+            hideIcon
+          >
+            <div slot='title'>{getLocale('braveVpnOutOfCredentials')}</div>
+            <div>{stateDescription}</div>
+          </S.StyledAlert>
+        )}
         <S.RegionSelectorButton
           type='button'
           onClick={onSelectRegionButtonClick}
diff --git a/components/brave_vpn/resources/panel/state/actions.ts b/components/brave_vpn/resources/panel/state/actions.ts
index e0e2ed0ca50f..baa2c73f6390 100644
--- a/components/brave_vpn/resources/panel/state/actions.ts
+++ b/components/brave_vpn/resources/panel/state/actions.ts
@@ -24,6 +24,8 @@ export type showMainViewPayload = {
   regions: Region[]
   connectionStatus: ConnectionState
   expired: boolean
+  outOfCredentials: boolean
+  stateDescription: string
 }
 
 export type initializedPayload = {
@@ -45,6 +47,7 @@ export const connectionFailed = createAction('connectionFailed')
 export const initialize = createAction('initialize')
 export const purchaseConfirmed = createAction('purchaseConfirmed')
 export const purchaseExpired = createAction('purchaseExpired')
+export const outOfCredentials = createAction('outOfCredentials')
 export const showSellView = createAction('showSellView')
 export const showLoadingView = createAction('showLoadingView')
 export const resetConnectionState = createAction('resetConnectionState')
diff --git a/components/brave_vpn/resources/panel/state/async.ts b/components/brave_vpn/resources/panel/state/async.ts
index b928186ff85e..6a7f1da38898 100644
--- a/components/brave_vpn/resources/panel/state/async.ts
+++ b/components/brave_vpn/resources/panel/state/async.ts
@@ -70,7 +70,9 @@ handler.on(Actions.purchaseConfirmed.getType(), async (store) => {
         state === ConnectionState.CONNECT_FAILED
           ? ConnectionState.DISCONNECTED
           : state /* Treat connection failure on startup as disconnected */,
-      expired: false
+      expired: false,
+      outOfCredentials: false,
+      stateDescription: ''
     })
   )
 })
@@ -86,7 +88,28 @@ handler.on(Actions.purchaseExpired.getType(), async (store) => {
       currentRegion,
       regions,
       connectionStatus: ConnectionState.DISCONNECTED,
-      expired: true
+      expired: true,
+      outOfCredentials: false,
+      stateDescription: ''
+    })
+  )
+})
+
+handler.on(Actions.outOfCredentials.getType(), async (store) => {
+  const [{ state }, { currentRegion }, { regions }] = await Promise.all([
+    getPanelBrowserAPI().serviceHandler.getPurchasedState(),
+    getPanelBrowserAPI().serviceHandler.getSelectedRegion(),
+    getPanelBrowserAPI().serviceHandler.getAllRegions()
+  ])
+
+  store.dispatch(
+    Actions.showMainView({
+      currentRegion,
+      regions,
+      connectionStatus: ConnectionState.DISCONNECTED,
+      expired: false,
+      stateDescription: state.description || '',
+      outOfCredentials: true
     })
   )
 })
diff --git a/components/brave_vpn/resources/panel/state/reducer.ts b/components/brave_vpn/resources/panel/state/reducer.ts
index 17f6650bf0fe..355528a531e8 100644
--- a/components/brave_vpn/resources/panel/state/reducer.ts
+++ b/components/brave_vpn/resources/panel/state/reducer.ts
@@ -13,6 +13,7 @@ type RootState = {
   hasError: boolean
   isSelectingRegion: boolean
   expired: boolean
+  outOfCredentials: boolean
   connectionStatus: ConnectionState
   regions: Region[]
   currentRegion: Region
@@ -25,6 +26,7 @@ const defaultState: RootState = {
   hasError: false,
   isSelectingRegion: false,
   expired: false,
+  outOfCredentials: false,
   connectionStatus: ConnectionState.DISCONNECTED,
   regions: [],
   currentRegion: new Region(),
@@ -148,9 +150,11 @@ reducer.on(Actions.showMainView, (state, payload): RootState => {
   return {
     ...state,
     expired: payload.expired,
+    outOfCredentials: payload.outOfCredentials,
     currentRegion: payload.currentRegion,
     regions: payload.regions,
     connectionStatus: payload.connectionStatus,
+    stateDescription: payload.stateDescription,
     currentView: ViewType.Main
   }
 })
diff --git a/components/brave_vpn/resources/panel/state/store.ts b/components/brave_vpn/resources/panel/state/store.ts
index 983f932820ee..8246744ee44c 100644
--- a/components/brave_vpn/resources/panel/state/store.ts
+++ b/components/brave_vpn/resources/panel/state/store.ts
@@ -32,6 +32,9 @@ const observer = {
       case PurchasedState.SESSION_EXPIRED:
         store.dispatch(Actions.purchaseExpired())
         break
+      case PurchasedState.OUT_OF_CREDENTIALS:
+        store.dispatch(Actions.outOfCredentials())
+        break
       case PurchasedState.FAILED:
         store.dispatch(Actions.purchaseFailed({
           state: PurchasedState.FAILED, stateDescription: description
diff --git a/components/resources/brave_vpn_strings.grdp b/components/resources/brave_vpn_strings.grdp
index 6e974a1b00f7..aadf24a2ccaf 100644
--- a/components/resources/brave_vpn_strings.grdp
+++ b/components/resources/brave_vpn_strings.grdp
@@ -182,6 +182,10 @@
     Credentials expiry date elapsed.
   </message>
 
+  <message name="IDS_BRAVE_VPN_MAIN_PANEL_OUT_OF_CREDENTIALS_CONTENT" desc="Message to show when person is out of credentials and needs to wait for more">
+    Brave VPN is having trouble authenticating to the VPN server. Please contact support or try again later.
+  </message>
+
   <message name="IDS_BRAVE_VPN_PURCHASE_CREDENTIALS_FETCH_FAILED" desc="Message to show when credentials cannot be loaded">
     Unable to load credentials.
   </message>
@@ -367,6 +371,9 @@ Let's get you connected!
   <message name="IDS_BRAVE_VPN_MAIN_PANEL_SESSION_EXPIRED_PART_TITLE" desc="Title text for session expired panel">
     Session expired
   </message>
+  <message name="IDS_BRAVE_VPN_MAIN_PANEL_OUT_OF_CREDENTIALS_TITLE" desc="Title text for when user is out of credentials and they can't authenticate">
+    Can't authenticate to VPN
+  </message>
   <message name="IDS_BRAVE_VPN_MAIN_PANEL_VPN_SETTINGS_TITLE" desc="Settings button tooltip">
     Settings
   </message>