Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th 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 (181154)

Amazing everytime with great support

Amazing everytime with great support Reviewed on: 16th April 2026

I’ve had a good experience using PayPal Credit for a...

I’ve had a good experience using PayPal Credit for a few planned purchases. The setup was quick, it’s very easy to use, and having everything managed within PayPal makes things straightforward. The interest‑free period on purchases over £99 is genuinely helpful, and as long as you stay on top of repayments, it works exactly as advertised. I like the flexibility and convenience, especially for short‑term spending where you know you can clear the balance before interest applies. Definitely not something to use casually, but if you’re organised and use it sensibly, it’s a useful option to have. Reviewed on: 16th April 2026

Payments are a lot easier with PayPal

Payments are a lot easier with PayPal Reviewed on: 16th April 2026

Great, clear app!

Great! 0% apr for 4 months is the best. Thank you, paypal.i wish to increase the limit quicker Reviewed on: 16th April 2026

I use PayPal for all my online purchases, safe easy...

I use PayPal for all my online purchases, safe easy and very convenient:-) Reviewed on: 16th April 2026

Always been a good experience!

Always been a good experience! app is easy to use and set up everything is clear Reviewed on: 16th April 2026

Been using PayPal for years has been great...

Been using PayPal for years and always has been great Reviewed on: 16th April 2026

Very quick and easy to set up can use it in most pla...

Very quick and easy to set up can use it in most places Reviewed on: 16th April 2026

Brilliant service

PayPal credit allows ne to spoil my grandchildren because I can spread the cost, it's so easy to use and I absolutely love it I would recommend it to anyone, it's brilliant way to spread the cost of those things you love Reviewed on: 16th April 2026

I have used PayPal for many years.

I have used PayPal for many years. It is my preference for online transactions Reviewed on: 16th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.81 from 370 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 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