Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181147 reviews)

View other PayPal products

4.73

Based on 181,147 reviews, last reviewed 11th Sep 2026

50% decrease in 5 star reviews

in the past 90 days

32% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great credit option. Very straightforward procedure, various repayment options, very easy to use at checkout. Reminders sent promptly and payment straight forward Reviewed on: 11th September 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 (181147)

Always on hand to help!

Always on hand to help! Easy to set up and manage. Reviewed on: 17th April 2026

Easy to use

The process using PayPal is so easy. Reviewed on: 17th April 2026

Always able to help.

Always able to help when issues arrive. Never had any problems. Reviewed on: 17th April 2026

Paypal is the most transparent financial platform

Paypal is the most transparent financial platform to help it's customers use various methods of payment all fully explained and understood, when purchasing online. I feel safe when using PayPal to make payments, send payments and split payments becauae of the security PayPal uses in its services. Reviewed on: 17th April 2026

PayPal (UK): Convenient but Requires Discipline

PayPal Credit is a digital credit line integrated directly into the PayPal checkout experience, offering users a quick and flexible way to spread the cost of online purchases. While it can be a useful financial tool, its value largely depends on how responsibly it is used. Reviewed on: 17th April 2026

Easy to use but Excellent

I’ve been using PayPal Credit for a while now and overall it’s a convenient option, especially for spreading the cost of purchases. The application process was straightforward, and it integrates seamlessly with PayPal which makes payments quick and easy. Reviewed on: 17th April 2026

Great service and helpful employees.

Great service and helpful employees. Handy to have at all times. Reviewed on: 17th April 2026

All good, nothing bad so far.

All good, nothing bad so far. Easy to use app Reviewed on: 17th April 2026

trust and confidence

Never had a problem with purchasing and follow up give me the confidence to purchase products with trust and confidence Reviewed on: 17th April 2026

Reliable and trustworthy for online payments.

Reliable and trustworthy for online payments. I know my money and spendings are safe. Reviewed on: 17th 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 Novuna Personal Finance 4.72 from 173 reviews
Payments
from PayPal 4.72 from 3854 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101304 reviews
Payments
from PayPal 4.72 from 3854 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