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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

Helpful & flexible money solution

It’s very easy to use PayPal and flexible/helpful with 4 months interest free. It benefits me when I’m bit tight in money - timely situation. Enjoyed it and definitely recommend it to my friends! Reviewed on: 15th April 2026

PayPal makes tracking your purchases really easy.

PayPal makes tracking your purchases really easy. It is also very safe. Reviewed on: 15th April 2026

Really easy to do no issues perfect

Really easy to do no issues perfect Reviewed on: 15th April 2026

Useful, but has some drawbacks

PayPal Credit is useful for online shopping, especially if you want to split payments. However, customer support can be slow to respond, and some terms are not very clear. It works, but you need to pay attention to the details Reviewed on: 15th April 2026

Paypal has always been easy to use,

Paypal has always been easy to use, has given me peace of mind when making large purchases. And the pay in 3 is a life saver. Reviewed on: 15th April 2026

Payment are done promptly.

Payment are done promptly and family can transfer easily. Reviewed on: 15th April 2026

Easy to use and understand .

Easy to use and understand . No hassle to set up and clear instructions on how to use. Reviewed on: 15th April 2026

Easy to use, very safe and reliable.

Easy to use, very safe and reliable. Returns are extremely easy and disputes are handled effeciently. Reviewed on: 15th April 2026

Great customer support...

On the few occasions I have had to query a transaction the support ins information provided has been excellent with any issue being resolved quickly. Reviewed on: 15th April 2026

Never had a problem and it's give me more time to pa...

Never had a problem and it's give me more time to pay for my goods Reviewed on: 15th 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
Retail Finance
from V12 Retail Finance 4.44 from 25 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 101312 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