Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181123 reviews)

View other PayPal products

4.73

Based on 181,123 reviews, last reviewed 16th Aug 2026

20% increase in 5 star reviews

in the past 90 days

35% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very reliable. Very reliable. I had a dispute with a retailer previously, and this solved promptly. Easy to send and recieve money Reviewed on: 16th August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026

Read all reviews Write a review

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.

Review PayPal: PayPal Credit now

Help others make smarter decisions by sharing your own experience.

Write a review

PayPal PayPal Credit reviews (181123)

App very clear interest free period great too

App very clear interest free period great too Reviewed on: 22nd April 2026

Helpful and easy to use

PayPal credit is helpful and very easy to use Reviewed on: 22nd April 2026

Easy to use and the flexibility is great.

Easy to use and the flexibility is great. Contacted customer support once and they soon sorted my issue immediately. Reviewed on: 22nd April 2026

Seamless processes, simple to understand and use.

Seamless processes, simple to understand and use. Reviewed on: 22nd April 2026

Easy to manage however

Easy to manage however PayPal credit can be confusing at times. Credit accounts disappear and setting up the direct debt hasn’t worked for me even though my bank account and card are linked to my PayPal. Reviewed on: 22nd April 2026

Easy to use and easy to watch and see your...

Easy to use and easy to watch and see your spending Reviewed on: 22nd April 2026

I’ve had a really positive experience using PayPal,...

I’ve had a really positive experience using PayPal, especially with their credit options. One of the standout benefits for me has been receiving interest-free credit for 36 months, which has made managing larger purchases much more convenient and stress-free. It’s given me the flexibility to spread costs without worrying about extra charges piling up. The platform itself is easy to use, secure, and widely accepted, which makes both online shopping and sending money simple and reliable. Transactions are quick, and I appreciate the added layer of buyer protection, which gives extra peace of mind when purchasing from new or unfamiliar sellers. Overall, PayPal has proven to be a dependable financial tool, and the long-term interest-free credit offer has been a huge advantage. I’d definitely recommend it to anyone looking for a flexible and secure way to manage payments. Reviewed on: 22nd April 2026

Never had a problem with PayPal .

Never had a problem with PayPal . Easy to deal with and you can ring them up . Reviewed on: 22nd April 2026

PayPal its one of the best services helping with eas...

PayPal its one of the best services helping with easy way payments. Also all aspects are clear end easy to maintain. Reviewed on: 22nd April 2026

Excellent customer service

Excellent customer service when ever I have called Reviewed on: 22nd April 2026

Do you have a different PayPal product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail finance
from Novuna Personal Finance 4.73 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101280 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub