Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (134073 reviews)

View other PayPal products

4.74

Based on 134,073 reviews, last reviewed 10th Jun 2026

3831150% increase in 5 star reviews

in the past 90 days

10750% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really easy to use Really easy to use and I’m waiting now for when I need to pay Reviewed on: 10th June 2026

Latest lowest rating:

1

Do expensive and too unflexiable Do expensive and too unflexiable Reviewed on: 10th 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 (134073)

Good for casual use however

I’ve heard horror stories of errors in verification resulting in paypal basically confiscating an account’s balance! Also their pay-in-3 service doesn’t always work and there’s not much detail on why that is, and their credit section could also contain more detail in general. But for casual online purchases, it’s good! Reviewed on: 15th May 2024

I have been using PayPal credit and I am having exce...

I have been using PayPal credit and I am having excellent experience so far. They offer different plans to pay anything spent to spread across different no of months since that it is very useful. Reviewed on: 15th May 2024

Easy to use and quick credit.

Easy to use and quick credit. Payment terms are great Reviewed on: 15th May 2024

I’ve used for years I love the paypal credit as a lo...

I’ve used for years I love the paypal credit as a lot of payment are 0% if payed in 4 months. Reviewed on: 15th May 2024

Easy to use, great UI on the app, and very transpare...

Easy to use, great UI on the app, and very transparent with fees. Reviewed on: 15th May 2024

PayPal has been a reliable and convenient platform.

PayPal has been a reliable and convenient platform for all my online transactions. Its user-friendly interface makes sending and receiving money a breeze. The security measures in place give me peace of mind, knowing that my financial information is protected. Additionally, their customer support team has always been responsive and helpful whenever I've had an issue or question. Overall, PayPal has consistently delivered a seamless experience, and I highly recommend it to anyone looking for a trusted payment solution. Reviewed on: 15th May 2024

A Helping hand

I love how it helps me spread the cost during these tough times Reviewed on: 15th May 2024

Has a customer I'm very satisfied with making transa...

Has a customer I'm very satisfied with making transactions and payment true PayPal I'm not worried doing my transactions and customer services is very Neutral and easy to talk to Reviewed on: 15th May 2024

PayPal Credit, an excellent way to pay

In the world of online payments, PayPal Credit stands out as an exceptional service that offers both convenience and flexibility. As a digital line of credit, it integrates seamlessly with your PayPal account, allowing you to spread the cost of purchases over time. This can be particularly helpful for managing larger expenses or taking advantage of special promotions without the immediate financial strain. One of the most commendable features of PayPal Credit is its user-friendly interface. The process of applying for credit is straightforward and quick, with decisions often made within seconds. Once approved, the credit line is immediately available to use at millions of online stores that accept PayPal, making it a versatile tool for shoppers everywhere. Security is a paramount concern when it comes to financial services, and PayPal Credit excels in this area. It benefits from PayPal’s robust security measures, ensuring that your transactions are protected against unauthorized access and fraud. The peace of mind that comes with this level of security cannot be overstated. Moreover, PayPal Credit often offers promotional financing options, such as zero interest if paid in full within a set period. This can be a smart way to manage cash flow and avoid interest charges, provided you adhere to the terms of the offer. In conclusion, PayPal Credit is an excellent financial tool that provides a secure and flexible way to shop online. Its integration with PayPal, ease of use, and promotional offers make it a standout choice for consumers looking to finance their purchases wisely. Reviewed on: 15th May 2024

Easy to use, why use anything else!

It's easy to use and if there's any issues it is easy to get in contact for help. Reviewed on: 15th May 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.69 from 172 reviews
Very Account
from Shop Direct 3.51 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 64894 reviews
Payments
from PayPal 4.73 from 3745 reviews
Credit card
from PayPal 4.71 from 96 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