Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (140300 reviews)

View other PayPal products

4.73

Based on 140,300 reviews, last reviewed 16th Jun 2026

4115050% increase in 5 star reviews

in the past 90 days

11650% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service, makes life easy Excellent service, makes life easy Reviewed on: 16th June 2026

Latest lowest rating:

1

PayPal Credit - AVOID PayPal Credit is an extremely unhealthy and non-consumer friendly credit service. Payments take forever to process and your balance doesn’t update eve... Read more Reviewed on: 15th 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 (140300)

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

Easy to make and spread payments out

Easy to make and spread payments out Reviewed on: 9th June 2026

I have used PayPal credit for a while and it's simpl...

I have used PayPal credit for a while and it's simple to use, you can set up repayments that suit you and pay extra. Reviewed on: 9th June 2026

I love PayPal credit!

I love PayPal credit! I use it very often. Its incredibly user friendly & I like that you can set up direct debit payments too. I also love the paypal+ reward scheme as this gives money back just for using PayPal/PayPal credit. Reviewed on: 9th June 2026

Useful for when payday hasn't arrived yet

Useful for when payday hasn't arrived yet Reviewed on: 9th June 2026

Super easy to sign up and excellent communication

Super easy to sign up and excellent communication Reviewed on: 9th June 2026

PayPal is really easy to use!

PayPal is really easy to use, it is my go to, use it almost every time I pay for something if PayPal is an option :) Reviewed on: 9th June 2026

reliable and always friendly

Always reliable and always friendly when I need some help Reviewed on: 9th June 2026

Chat bots are frustrating, using PayPal credit didn’...

Chat bots are frustrating, using PayPal credit didn’t give me the same protection I would have got from other credit card companies. The complaints process was a series of AI generated messages that benefitted the seller and not me as the buyer. I paid for something on credit that wasn’t what I ordered and PayPal weren’t helpful Reviewed on: 9th June 2026

Seamless experience

Really quick and easy to setup and approval was also quick Reviewed on: 9th June 2026

Easy to apply & fast decision upon applying.

Easy to apply & fast decision upon applying. Credit limit offered is reasonable. 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

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3750 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 71440 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