Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181134 reviews)

View other PayPal products

4.73

Based on 181,134 reviews, last reviewed 25th Aug 2026

2% increase in 5 star reviews

in the past 90 days

12% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Easy to use great service Easy to use great service. most retailers allow you to use PayPal. Reviewed on: 25th 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 (181134)

Swift and Easy

PayPal is there for you as always. Reviewed on: 20th April 2026

Splurge and treat yourself.

I have been able to afford items that are usually out of my budget, by splitting the payments with zero interest added. Reviewed on: 20th April 2026

Customer for more than 10 years

I'm using PayPal for more than 10 years now. Never had any issues. Love the option to split payments in 3 without any extra costs. PayPal credit is also great as with some sellers you geat to pay it off with 0% interest. Reviewed on: 20th April 2026

Im using PayPal since 5year is excellent all over

Im using PayPal since 5year is excellent all over Reviewed on: 20th April 2026

I’ve had a very positive experience using PayPal.

I’ve had a very positive experience using PayPal. It’s been a reliable and convenient way to send and receive money, especially for both personal and business transactions. The platform is easy to use, and payments are usually processed quickly, which makes it ideal for day-to-day use. One of the standout features is the buyer and seller protection, which gives extra peace of mind when making online purchases or dealing with new customers. The ability to link multiple bank accounts and cards also makes managing payments very flexible. Customer service has generally been helpful when needed, and disputes are handled fairly in most cases. While fees can sometimes be a bit high for certain transactions, the overall security, convenience, and global reach make it a worthwhile service. Overall, PayPal is a trusted platform that I would recommend to anyone looking for a safe and efficient way to manage online payments. Reviewed on: 20th April 2026

PayPal always has my back.

PayPal always has my back. It’s easy and straight forward. Reviewed on: 20th April 2026

Easy transaction, quick reply to inquiry

Easy transaction, quick reply to inquiry Reviewed on: 20th April 2026

Simply the best.

Simply the best. Peace of mind & trustworthy Reviewed on: 20th April 2026

Value...

Very good easy to use especially if your income is low Reviewed on: 20th April 2026

Payments always go through smoothly

Payments always go through smoothly Reviewed on: 20th 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

Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3855 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101291 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 126 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