Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (144800 reviews)

View other PayPal products

4.73

Based on 144,793 reviews, last reviewed 24th Jun 2026

4319150% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Great way to pay for goods and services. Been using PayPal for a long time. Never had any issue. Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd 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 (144800)

All good things to say, I heavily use the 0% interes...

All good things to say, I heavily use the 0% interest options. Reviewed on: 7th June 2024

Function & app are easy to use.

Function & app are easy to use. 4 months interest free great for big purchases & pay in 3 for smaller is great too. Reviewed on: 7th June 2024

Never had a bad experience.

Never had a bad experience. Customer service always go above and beyond. If there have ever been any disputes I have just sent over any screenshots of any sort of communication as evidence and PayPal have sorted out buyers protection for me if a company is trying to be fly. I absolutely love the pay in 3 feature also. If something is overly expensive like kids school uniform or clothes that I need for them I still able to buy it but instead of paying in full I can make 3 smaller interest free monthly payments. Only thing that is a bit of a pain is when I make a payment towards my credit account instead of the money coming out straight away it doesn't come out until midnight of the day that I have made the payment, that would probably be my only negative that I could give. The red of the service is fantastic and I couldn't fault it. Reviewed on: 7th June 2024

Fast and steady operations

Fast and steady operations and stright forward without time consuming. One of the best fast payment opinions and safe Reviewed on: 7th June 2024

Excellent service from Paypal , easy to understand c...

Excellent service from Paypal , easy to understand credit service Reviewed on: 7th June 2024

Simple and easy to navigate and understand and PayPa...

Simple and easy to navigate and understand and PayPal credit helps when you require financial aid when you don’t have funds available straight away, PayPal also offers seller and buyer protection protocols to prevent fraudulent activities and make the platform safe for selling and purchasing. Being fast, simple and secure I only purchase through PayPal for risk free shopping experience. Reviewed on: 7th June 2024

PayPal has been a lifesaver

PayPal has been such a life saver for me, they give me security with my money and have really helpful and friendly customer service who really listen. PayPal credit have been there to help me in some really sticky situations were being able to pay amount in instalments has really taken the pressure off of me, especially in these difficult times of Cost of Living Reviewed on: 7th June 2024

PayPal is a great and easy way to purchase what you...

PayPal is a great and easy way to purchase what you want Reviewed on: 7th June 2024

Excellent reliable first class service with peace of...

Excellent reliable first class service with peace of mind Reviewed on: 7th June 2024

It’s been really good, NatWest made an error that me...

It’s been really good, NatWest made an error that messed up my credit and out of frustration o never attended the meeting with them to rectify this. Even though they compensated me, I found PayPal credit who I’ve had no issues with as it has no direct link to my transport which is what initially caused the issue with NatWest. P.a im still with NatWest but opened other bank accounts as their service was below par, for everything else I had no issues with them. Reviewed on: 7th 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
Payments
from PayPal 4.71 from 3756 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 75536 reviews
Payments
from PayPal 4.71 from 3756 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