Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

View other PayPal products

4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

Very easy to use and value for maney

Very easy to use and value for maney Reviewed on: 15th April 2026

I think the customer service team are lovely most of...

I think the customer service team are lovely most of the time. Reviewed on: 15th April 2026

Satisfactional and easy to use with good support

Satisfactional and easy to use with good support Reviewed on: 15th April 2026

Issue with charge

Had an issue with a charge PayPal sorted and explained in a good timely fashion Reviewed on: 15th April 2026

Never had a problem with anything very good way to p...

Never had a problem with anything very good way to pay for things its quick and safe so it gives you pice of mind knowing you have payday to help with anything Reviewed on: 15th April 2026

Good and excellent customer service

Good and excellent customer service Reviewed on: 15th April 2026

positive experience with PayPal overall

I’ve had a really positive experience with PayPal overall. The new points system is a great addition—it actually encourages me to use it more often, which says a lot. Customer service has also been excellent; I’m always able to speak to a real person, and they’re consistently helpful and easy to deal with. On top of that, the PayPal Credit option with 4 months interest-free is a fantastic feature and really useful for managing larger purchases. Overall, a reliable and rewarding service. Reviewed on: 15th April 2026

Fantastic experience can take some time to officiall...

Fantastic experience can take some time to officially transfer credit however Reviewed on: 15th April 2026

PayPal offers far more than just credit card

PayPal offers far more than just a credit facility like the ones available via main street banks. PayPal credit offers you the convenience to transact with countless retailers from the comfort of your home to make your credit purchases whilst being guaranteed of maximum security for your trasactions/dealings online. Reviewed on: 15th April 2026

PayPal Credit gives me a very welcome flexibility.

PayPal Credit gives me a very welcome flexibility when I need it. 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

Loan
from Snap Finance 4.81 from 370 reviews
Payments
from PayPal 4.71 from 3854 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.75 from 101313 reviews
Payments
from PayPal 4.71 from 3854 reviews
Credit card
from PayPal 4.65 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