Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (134175 reviews)

View other PayPal products

4.73

Based on 134,175 reviews, last reviewed 11th Jun 2026

3835600% increase in 5 star reviews

in the past 90 days

10750% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Bill helping It has hope me out with bills and shopping alot be lose could do with taking cash out though Reviewed on: 11th June 2026

Latest lowest rating:

2

Paypal credit limit is frustrating Paypal credit limit is frustrating Reviewed on: 10th June 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (134175)

Review of the PayPal, PayPal Credit:

Very easy to navigate through the PayPal app & helps...

Very easy to navigate through the PayPal app & helps both with cash flow & secure purchasing Reviewed on: 14th June 2024

Amazing service for all provided

I have used PayPal for normal payments, PayPal credit and pay in 3. All have great interest rates and amazing service with regards to reminders about when payment is due. Reviewed on: 8th June 2026

Missed a payment once.

Missed a payment once...complete oversight but PayPal were amazing and the missed payment was even removed from my Experian credit record. Not only yhst they hot removed very very swiftly. Reviewed on: 8th June 2026

User friendly, payment dates/values clearly communic...

User friendly, payment dates/values clearly communicated Reviewed on: 8th June 2026

Sleek and modern financial institution

I find the PayPal app to be incredibly modern, intuitive, and secure, which gives me massive peace of mind when shopping online. What really sets it apart for an award like this is the sheer flexibility of payment options. Being able to choose between standard payments, PayPal Credit, or splitting the cost with 'Pay in 3' means it perfectly covers my needs, no matter my financial situation. It thoroughly deserves recognition. Reviewed on: 8th June 2026

Very happy with the way my queries are dealt with.

Very happy with the way my queries are dealt with. Excellent customer service. Reviewed on: 8th June 2026

No problems, easy to manage money.

No problems, easy to manage money. Reviewed on: 8th June 2026

Fees quite high for purchases.

Fees quite high for purchases. Good for friends and family Ans pay in 4 Reviewed on: 8th June 2026

Easy to use credit.

Easy to use credit. The offers and instalment plans are great. Reviewed on: 8th June 2026

Always handy.

Always handy. Easy accessible and easy to use. Safe payment method Reviewed on: 8th June 2026

Trusted app for online payments!!

I’ve been using PayPal for nearly 10 years, and it has consistently been reliable and straightforward to use. The option for 0% interest instalment payments is a great feature, and it continues to be one of my preferred apps for online purchases and transactions. Reviewed on: 8th June 2026

Alternative products

Very Account
from Shop Direct 3.51 from 27 reviews
Retail Finance
from Novuna Personal Finance 4.69 from 172 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

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