Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

View other PayPal products

4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 See your 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.

PayPal PayPal Credit reviews (181153)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Just keep you updated with my spending

Just keep you updated with my spending Reviewed on: 14th July 2026

Simple and effective way to pay that’s great for cop...

Simple and effective way to pay that’s great for coping with pinchpoints Reviewed on: 14th July 2026

would recommend

Positive experience use it whenever I can no.probkems if a refund is needef Reviewed on: 14th July 2026

Love using PayPal

Love using PayPal free from fraud. Reviewed on: 14th July 2026

Why would you use anything else

Easy to use. Love the reward scheme. And the virtual card is brilliant too Reviewed on: 14th July 2026

Lifesaving

Thanks to having the credit I was able to partially pay a vet bill for my dog's surgery & she is my world. Having the card linked to the account made it possible Reviewed on: 14th July 2026

Simplicity perfect and easy to use

easy to manage just a click to use and click to payment info Reviewed on: 14th July 2026

PayPal has always been a secure and safe way to pay...

PayPal has always been a secure and safe way to pay online worldwide banking, plus have option to pay in installments if needed Reviewed on: 14th July 2026

easy to used and helpful when you needed.

easy to used and helpful when you needed. Reviewed on: 14th July 2026

Just had a problem with an order from China.

Just had a problem with an order from China. Tried to get info from seller with no success. Went through to PayPal and they refunded my money within 2 days. Reviewed on: 14th July 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 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