Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (140524 reviews)

View other PayPal products

4.73

Based on 140,524 reviews, last reviewed 16th Jun 2026

4125000% increase in 5 star reviews

in the past 90 days

11700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful and exactly what I need from the prod... Always helpful and exactly what I need from the product, PayPal customer service is second to none, and they're communication is outstanding. Reviewed on: 16th June 2026

Latest lowest rating:

1

It didn’t work! Clicked on PayPal credit but got charged all in one sum. Reviewed on: 16th 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 (140524)

Review of the PayPal, PayPal Credit:

A must have!

Seamless to receive money and use their credit options Reviewed on: 5th June 2024

I have been using PayPal for over 20yrs and in the r...

I have been using PayPal for over 20yrs and in the rare occasion that I’ve had a problem with a purchase or payment they have dealt with everything perfectly Reviewed on: 9th June 2026

Totally Revamped

Im always used Paypal service payment option not just for the payment facilities but also for the layer of security. I very impressed with the quality of upgrade options created within the platform with physical Credit card and payment scheme to earn points well done for a nice of breath of fresh air. Reviewed on: 9th June 2026

Was very easy to apply and pay back

Was very easy to apply and pay back Reviewed on: 9th June 2026

Never had a problem

Never had a problem & very easy to use Reviewed on: 9th June 2026

Its confusing in the way theres a delay to be able t...

Its confusing in the way theres a delay to be able to pay the credit but customer service is good Reviewed on: 9th June 2026

Pay over time easy to use and works effortlessly.

Pay over time easy to use and works effortlessly. Reviewed on: 9th June 2026

Good customer service, help and quick response

Good customer service, help and quick response Reviewed on: 9th June 2026

Easy and flexible, with only a minor payment delay

I’ve had a very positive experience with PayPal Credit. It’s convenient, easy to manage, and gives me useful flexibility when making purchases. My only frustration is that manual balance payments can take quite a while to process, especially when they aren’t made by Direct Debit. Apart from that, I’m very happy with the service and enjoy using it. Reviewed on: 9th June 2026

Literally use PayPal for everything I buy

Literally use PayPal for everything I buy due to it having so many payments options. If I want to pay straight away it comes from my bank or if I need extra time I can use PayPal credit, pay in 3 or sometimes depending on the item I can do 0% interest for 4 months. Literally can't go wrong with it. I can pay for goods, pay family and friends or if I need some extra money...it's an all round fantastic service and I haven't had any issues ever. Can't recommend it enough. Reviewed on: 9th June 2026

Easy to manage balance and payments through the app.

Easy to manage balance and payments through the app. Reviewed on: 9th 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

Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Very Account
from Shop Direct 3.51 from 27 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 71603 reviews
Payments
from PayPal 4.72 from 3750 reviews
Credit card
from PayPal 4.69 from 98 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