Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (127715 reviews)

View other PayPal products

4.74

Based on 127,717 reviews, last reviewed 9th Jun 2026

3542600% increase in 5 star reviews

in the past 90 days

10450% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

It’s a great option when paying for goods and gettin... It’s a great option when paying for goods and getting short term credit Reviewed on: 9th June 2026

Latest lowest rating:

1

This company does not allow balance transfers This company is brilliant at not allowing you to transfer your balance to a lower interest card. They are also amazing at not highlighting this fact w... Read more Reviewed on: 9th 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 (127715)

Brilliant service

Very easy to use and manage. Helps because everywhere accepts paypal Reviewed on: 13th August 2022

Great product

Easy to use, great opportunity to get some time on ur purchases Reviewed on: 13th August 2022

Easy, convenient and safe than most credit card companies

I have been a PayPal user for almost a decade, if not just over that. I have never had a problem, always kept my balance out of the negative. I applied for PayPal credit during a time I needed something along those lines and was very weary of most credit companies due to their high demands just for application then everything afterwards. PayPal made it easy for me to choose them, they are trusted, fair. During covid they were understanding and offered help to those who didn't have job or income anymore. I don't know any other credit company that would do that. They are a gem in this world. Reviewed on: 13th August 2022

5* Customer Service

Super easy to set up and pay off. Also comes with PayPal's outstanding customer service so any problems you have are dealt with quickly and thoroughly. Reviewed on: 13th August 2022

Very Wonderful product!

The product is very lovely, I will recommend friends and family to get this. Reviewed on: 13th August 2022

Flexibility and Convenience

Purchases over £150 get 4 month's interest free, and it's just a handy bit of credit in my virtual back pocket Reviewed on: 13th August 2022

Excellent

Love paypal credit and the support and security you get from using PayPal Reviewed on: 13th August 2022

Brilliant for those larger expenses to spread the cost

I love my paypal credit mostly due to the options of haveing the cost spread over 3 months interest free for those unexpected large purchases Reviewed on: 13th August 2022

Helped me out

I have used it to spread the cost of purchases for essential items. Reviewed on: 13th August 2022

Much prefer PayPal when shopping Online

When shopping Online, I actively seek websites that allow payment using PayPal or PayPal Credit, because of Security and Ease of Use. Prefer to use PayPal Credit to spread costs, whenever practicable. It’s so easy to Schedule Payments when I want to, rather than having to set up a Direct Debit. I actively encourage the websites I use most often to provide payment via PayPal. DarkWoods Coffee acted upon this, to my extreme pleasure. Reviewed on: 13th August 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 Novuna Personal Finance 4.69 from 172 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.80 from 369 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 61641 reviews
Payments
from PayPal 4.74 from 3739 reviews
Credit card
from PayPal 4.70 from 92 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