Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.9 (110191 reviews)

View other PayPal products

4.90

Based on 110,191 reviews, last reviewed 19th May 2026

2736600% increase in 5 star reviews

in the past 90 days

8050% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Well it has more option to manage your personal buyi... Well it has more option to manage your personal buying and how to divide them or get them on better prices from different shops so thats what it was m... Read more Reviewed on: 19th May 2026

Latest lowest rating:

1

Taking credit limits off of people pushing their acc... Taking credit limits off of people pushing their accounts into debt is disgraceful Reviewed on: 18th May 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 (110191)

Easy spending :)

I didn’t need to use a large amount of credit on my PayPal account but it made a really easy option when I needed it. I found it really helpful to be notified when I had to pay any outstanding balance also! Reviewed on: 6th May 2026

Excellent customer support, Security experts.

Excellent customer support, Security experts. Helped my seamlessly with a potential security issue . Reviewed on: 6th May 2026

Easy straightforward to use

Easy straightforward… great experience using PayPal , trust this product 100% Reviewed on: 6th May 2026

Reliable for Larger Purchases and Helpful for Budgeting

I use PayPal Credit infrequently, mainly for larger purchases, because I know I’m protected against fraud and can spread the cost over four months. It gives me a bit of flexibility while still letting me keep money in the bank earning what little interest is available at the moment. I don’t buy anything unless I can afford it, but having PayPal Credit as an option makes bigger purchases more manageable and gives me extra peace of mind. Reviewed on: 6th May 2026

Applied for Amazon credit on a small purchase.

Applied for Amazon credit on a small purchase that I didn't fancy paying for all in one go. I chose to split the payments into 4 interest free payments, but I decided to pay it all off on the following payday. The application process was easy and it was approved within 2 minutes. Reviewed on: 6th May 2026

Good user interface

PayPal is a very user friendly platform that allows you to do anything money related with ease. It has very clear instructions and prompts that help you understand exactly what you are doing and I feel very safe using it. Reviewed on: 6th May 2026

I like working with PayPal because it is very good a...

I like working with PayPal because it is very good and you don't need to rush into paying stuff straight away Reviewed on: 6th May 2026

Always so easy and fast to use.

Always so easy and fast to use. Never had any issues. Good to use move money around between either own accounts or friends and family Reviewed on: 6th May 2026

PayPal credit is great, breaks down big payments for...

PayPal credit is great, breaks down big payments for 4 months interest free Reviewed on: 6th May 2026

So far so good.

So far so good. I used them a few times they were okay Reviewed on: 6th May 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

Retail Finance
from Zebra Finance 4.76 from 6 reviews
Better Off Calculator
from Policy in Practice 4.78 from 495 reviews
Retail Finance
from Close Brothers 2.53 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 52089 reviews
Payments
from PayPal 4.91 from 3719 reviews
Credit card
from PayPal 4.90 from 83 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