Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181150 reviews)

View other PayPal products

4.73

Based on 181,149 reviews, last reviewed 14th Sep 2026

55% decrease in 5 star reviews

in the past 90 days

40% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent service Paypal credit Excellent service and customer satisfaction Reviewed on: 14th 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 (181150)

Customer service could be more favourable to customers

Customer service could be more favourable to customers Reviewed on: 17th April 2026

PAYPAL IS PERFECT FOR MY NEEDS!!!!

Excellent for helping purchasing larger items, easy to use. Quick and easy to use, for purchases, payments between family n friends. Easy instant payments. I use PayPal for online purchases, Pay in 3, PayPal credit and Transfers and regular monthly payments. Im disabled and dont drive so I use Uber a lot and the payments go through PayPal. If Ive had issues with any payments in the past they have always been resolved. Reviewed on: 17th April 2026

I love that I automatically get 0% interest for 4 mo...

I love that I automatically get 0% interest for 4 months on every single purchase of £99 or more. This is a life saver Reviewed on: 17th April 2026

Really good application smooth and multiple faciliti...

Really good application smooth and multiple facilities to help with purchases and spreading costs. Easy to navigate. Customer service accessibility could be better though. Reviewed on: 17th April 2026

Easy to use and schedule payments

Easy to use and see what you owe and schedule payments Reviewed on: 17th April 2026

Not too bad, would use again.

Not too bad, would use again. Don’t like when pay pal gets involved in politics tho Reviewed on: 17th April 2026

No words

No words, I don’t want to write anything. For me working smoothly for last 7 years. No issues at all ever. Reviewed on: 17th April 2026

Good experience but when I want to pay the credit I...

Good experience but when I want to pay the credit I can't pay it It causes my credit score low Reviewed on: 17th April 2026

Always help if i need it and super simple and transp...

Always help if i need it and super simple and transparent Reviewed on: 17th April 2026

I love PayPal makes paying for things online much ea...

I love PayPal makes paying for things online much easier and the credit option and pay in 3 option is great 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.81 from 370 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