Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (114335 reviews)

View other PayPal products

4.74

Based on 114,335 reviews, last reviewed 25th May 2026

2928500% increase in 5 star reviews

in the past 90 days

8600% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Used pay pal to pay for flights over 3 months. Used pay pal to pay for flights over 3 months. Very easy and would use again Reviewed on: 25th May 2026

Latest lowest rating:

1

PayPal finance provider is not good for short and lo... PayPal finance provider is not good for short and longer credit finance as this credit effects instantly on credit score, also very strict finance pro... Read more Reviewed on: 25th May 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 (114335)

Great and flexible repayment plan

Absolutely flexible with 0% repayment for 4 months which helps to spread the cost across. Reviewed on: 8th July 2022

Really useful,everybody uses paypal

I got this paypal credit just to buy a few items but have had it for over 5 yes now ,everyone uses paypal and most companies do now,so easy to pay for things and its so secure,interest not too bad,good to pay for large items as you Don't need to pay any interest for 4 months Reviewed on: 8th July 2022

Good, but limited to online

PayPal credit was good for the things I needed it for but generally isn't a credit card you can take out on its own. The lack of a physical credit card or even the opportunity to use it online with merchants that don't use PayPal limit it massively. The £99 3 months repayment offers are very good however and I've made use of them multiple times. Reviewed on: 8th July 2022

It's very friendly & easy

The eBay is full safety all the time. All order quick, when I have a question I get answers very soon Reviewed on: 8th July 2022

Paypal is amazing way to afford things what you need. Quick and easy process

Love the way they do and customer service is amazing and stress free Reviewed on: 8th July 2022

Brilliant

It's been a great help. It has helped me to manage my finances and make affordable repayments. Reviewed on: 8th July 2022

Excellent!

Paypal provide excellent service to their customers. Reviewed on: 8th July 2022

Easy, quick & super helpful!

A great quick service & easy way to manage your credit Reviewed on: 8th July 2022

Best Credit offers out there

This is possibly the best credit plan I have. It gives me flexibility of enjoying the luxury of booking my trips and buying useful amenities with also managing my finances at the same time. It also provide much needed protection on any of purchases which is definitely needed in today's world. Reviewed on: 8th July 2022

Life saver

PayPal has literally saved my daughters birthday, with the rising of food and petrol and everything in-between I am unable to just go out and purchase anything above £30 and at an age of 9 who isn't into homebargain toys it's very hard but with PayPal I can purchase something she would never have been able to have and pay it off in small instalments with a low interest if any. Reviewed on: 8th July 2022

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 Zebra Finance 4.06 from 6 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.73 from 3725 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 54051 reviews
Payments
from PayPal 4.73 from 3725 reviews
Credit card
from PayPal 4.70 from 84 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