Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147149 reviews)

View other PayPal products

4.73

Based on 146,832 reviews, last reviewed 1st Jul 2026

4411600% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

I’ve used PayPal for a very long time. I’ve used PayPal for a very long time. It’s helped me buy with ease of paying monthly affordabley. Reviewed on: 1st July 2026

Latest lowest rating:

2

Opened a case for a high value item Opened a case for a high value item provided evidence that items are missing and PayPal are still dragging their heels Reviewed on: 1st 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 (147149)

I use paypal for buting retail products manily.

I use paypal for buting retail products manily. There os prpbably alot more i could use it for but dont really understand hpw to use it properly...probably due tp my age...54 Reviewed on: 29th June 2026

Amazing way to handle daily exchanges

Amazing way to handle splitting bills and general day to day exchanges of money. Been using it for years and have never had any issues at all. PayPal credit is also an amazing tool for purchasing stuff. Reviewed on: 29th June 2026

I have found them easy to use and it was easy to app...

I have found them easy to use and it was easy to apply for. It is clear how much credit they will offer you from the start and it is easy to make the repayments Reviewed on: 29th June 2026

Easier to use

I always pay bit by bit which is very good because I can buy the things that I want Reviewed on: 29th June 2026

This is the worst lending service provider I have ev...

This is the worst lending service provider I have ever used , every-time I tried to pay some off my debt it would take days and as soon as I didn’t have enough money to pay it it would try to take it out my bank even though it had been sat there waiting for days but somehow knew when you didn’t have enough and then would try to take it so you was continuously in their grasp and I have tried to cancel with them and you just cannot get through to them Reviewed on: 29th June 2026

PayPal has worked perfectly for me

PayPal has worked perfectly for me Reviewed on: 29th June 2026

Paypal is everything I need for convenience and secu...

Paypal is everything I need for convenience and security when paying for goods/services online. The payment options are excellent and suit my needs at any given time. Reviewed on: 29th June 2026

Very easy to set-up and very easy to use.

Very easy to set-up and very easy to use. Interest rate not too bad. Only thing is reminders regarding payment- unless direct debit is set-up you have to manually make payment and I don't seem to get timely reminders for this. Reviewed on: 29th June 2026

PayPal credit can be helpful

PayPal credit can be helpful and doesn't cost you a penny if paid back in four months. Reviewed on: 29th June 2026

Superb company

Never had any issues with PayPal from using it to pay safely on eBay to using PayPal credit. Absolutely amazing and easy to use and understand Reviewed on: 29th June 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

Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 78580 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 99 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