Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181092 reviews)

View other PayPal products

4.73

Based on 181,092 reviews, last reviewed 2nd Aug 2026

98% increase in 5 star reviews

in the past 90 days

141% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Awesome PayPal PayPal is always there when i need a safe transaction Reviewed on: 2nd 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 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 (181092)

Review of the PayPal, PayPal Credit:

A must have!

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

Fantastic PayPal

Very useful specially when you want to spread the coast of presents,flights or holidays.It’s fantastic option I would recommend to anyone.The 4 months no interest period is great but 6 months will be better! Reviewed on: 14th July 2026

PayPal for me over the years has been great and I fe...

PayPal for me over the years has been great and I feel safe when paying by PayPal. I know if anything goes wrong with the item or if there is a dispute with a refund PayPal has got my back. Reviewed on: 14th July 2026

I have been using PayPal credit for a long time and...

I have been using PayPal credit for a long time and I am very happy - I have never had a problem. Thanks to PayPal credit, I always have money. Reviewed on: 14th July 2026

Easy way to spread a bigger payment.

Easy way to spread a bigger payment. Reviewed on: 14th July 2026

Very flexible and easy to use.

Very flexible and easy to use. Highly recommend it for quick purchases. Reviewed on: 14th July 2026

Safe and secure

PayPal save your money from scammers and it’s very secure.. Reviewed on: 14th July 2026

PayPal Credit: Holiday

Using PayPal Credit to pay for my holiday was one of the best financial decisions I’ve made. It gave me the confidence to book my holiday when I found the right deal, rather than worrying about having to pay the full amount upfront. The 0% interest offer until May 2026 meant I could spread the cost into manageable monthly payments, making it much easier to budget while still covering my everyday expenses. The whole process was simple, quick and hassle-free. Paying with PayPal Credit was seamless, and I appreciated having everything clearly set out so I always knew where I stood. Instead of the stress that can come with paying for a large purchase all at once, I was able to enjoy planning my holiday knowing I had the flexibility to pay it off over time without paying interest during the promotional period. For me, PayPal Credit offered convenience, flexibility and peace of mind. It made an important purchase much more affordable and helped me manage my finances responsibly without compromising on something I was really looking forward to. It’s an option I would happily use again for larger planned purchases and one I would recommend to anyone looking for a straightforward way to spread the cost while staying in control of their budget. Reviewed on: 14th July 2026

It's a fabulous product with any purchase of above £...

It's a fabulous product with any purchase of above £100 deferred the payment for 4 months. Reviewed on: 14th July 2026

Very godd help

Very good help for people that want things but not have all money Reviewed on: 14th July 2026

a problem with my account paying someone when...

I had a problem with my account paying someone when I had closed it.PayPal went through my account with me they then closed the direct debit with the company and asked for my money that they had taken. Reviewed on: 14th July 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews
Very Account
from Shop Direct 3.18 from 28 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101256 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 125 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