Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181149 reviews)

View other PayPal products

4.73

Based on 181,148 reviews, last reviewed 13th Sep 2026

54% decrease in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Amazing! Amazing! They give me £1000 on the beginning itself self. Contacting PayPal customer service is also very professional Reviewed on: 13th 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 (181149)

I think Paypal is really good especially when they p...

I think Paypal is really good especially when they provide a 0% interest if you pay within 4 months and pay in 3. Gives you more freedom to spend but a deadline to keep to. Very reasonable as well unlike other competitors who allow you to set ridiculous deadlines and break purchases into tens of small payments Reviewed on: 17th April 2026

Paypal is very secure and easy to navigate

I have always felt secure using PayPal since whenever I needed customers service support the have been extremely helpful and efficient in resolving any issues I have Reviewed on: 17th April 2026

It is easy to use! Helpful customer service!

It is easy to use, frendly and helpful customer service (accessible human not AI). Reviewed on: 17th April 2026

More control

PayPal credit has allowed me to take control of my finances. The 0% has saved me in credit card interest. Reviewed on: 17th April 2026

It is very efficient and reliable to understand.

It is very efficient and reliable to understand. Reviewed on: 17th April 2026

Instructions were clear and steps at each stage easy...

Instructions were clear and steps at each stage easy to follow. The ios app is well designed and user friendly Reviewed on: 17th April 2026

I love PayPal

Excellent I use PayPal credit for online purchases it’s safe and convenient with choice of 4 months interest free and pay in 3 it makes budgeting easy Reviewed on: 17th April 2026

It is very handy to pay back in 4 months the purchase.

It is very handy to pay back in 4 months the purchase. Reviewed on: 17th April 2026

Always use it so easy .

Always use it so easy . Great way to use money in your paypal account without having to transfer it to your bank account Reviewed on: 17th April 2026

Ive been using PayPal credit for a while and never h...

Ive been using PayPal credit for a while and never had any issues, it allows me to purchase things I need when money is a little tight so I can spread the cost 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101305 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