Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145622 reviews)

View other PayPal products

4.73

Based on 145,552 reviews, last reviewed 27th Jun 2026

4353550% increase in 5 star reviews

in the past 90 days

12500% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Secure Bank and Protected Accounts Защитени сметки сигурност и плащане . Банка която предоставя уникално добри условия за безлихвино плащане в срок от 3 месеца . Спокойствие и сигурно... Read more Reviewed on: 27th June 2026

Latest lowest rating:

2

Been with you for 8 years and you are the only firm... Been with you for 8 years and you are the only firm that has never increased my pathetically low credit limit ! Reviewed on: 25th June 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 (145622)

I've been using PayPal credit for years.

I've been using PayPal credit for years now and I can honestly say that I've never had any issues with it, the ease of use and the process is second to none. I would like to see more credit limit increases because I haven't had one yet and having the option to use a bit more would more than likely make me use it more. Easy to use without any issues and I for one would highly recommend to anyone. My favourite feature is the pay in 3, I love that, it really makes buying things that little bit easier. Maybe in the future they could do a pay in 4/5/6 months to help people out that little bit more. Overall I'm 100% satisfied with my experience using PayPal Reviewed on: 8th June 2024

Very helpful option, very easy and stress free.

Very helpful option, very easy and stress free. Reviewed on: 8th June 2024

Used PayPal credit for a long time.

Used PayPal credit for a long time. It is fast, reliable and simple to use. No hidden charges, you feel in control. Would recommend to anyone. Reviewed on: 8th June 2024

Easy to use, very good customer service

Easy to use, very good customer service Reviewed on: 8th June 2024

Top level service! Just what's needed!

Multiple times PayPal credit has given me the opportunity to give my children better christmases, better birthdays, my friends better birthdays and days out, I have used PP Credit for all of these things and it has been brilliant to use. Great service! Reviewed on: 8th June 2024

Credit readily available with generous increases ava...

Credit readily available with generous increases available. I find the website is easy to navigate with clear understandable wording. Credit statements are easy to find, making payments, viewing or updating information is straightforward. Reviewed on: 8th June 2024

Easy to use, great pay later options

I like how easy it is to use and the options to spread the cost of purchases without interest rate (across 3 or 4 months and sometimes 10months). The app is also easy to use. The only drawback, I would have liked a clearer breakdown of the statement, of the different amounts I can pay and what interest would incur (e.g, apart from minimum payment and full payment of all transactions including those spreading over several months, what amount would I need to pay so I don’t get an interest). Reviewed on: 8th June 2024

Easy access and provides flexibility

Easy access and provides flexibility Reviewed on: 8th June 2024

When 7 had a problem with something I ordered on lin...

When 7 had a problem with something I ordered on line which wasn't the same as the item on line PayPal sorted it out straight away with no fuss Reviewed on: 8th June 2024

Ease of use

ease of use, app easy to understand. Transactions are easy to make Reviewed on: 8th June 2024

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 Close Brothers 3.17 from 12 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Retail Finance
from Zebra Finance 4.06 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 76918 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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