Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148094 reviews)

View other PayPal products

4.73

Based on 148,011 reviews, last reviewed 3rd Jul 2026

4465350% increase in 5 star reviews

in the past 90 days

13050% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Excellent PayPal Excellent, PayPal is fast and efficient Reviewed on: 3rd July 2026

Latest lowest rating:

1

Had my PayPal on direct debit for 7 years. Had my PayPal on direct debit for 7 years. No issues. This week a phone call saying I am late with payment?? No it’s on DD so can’t be late it’s on pa... Read more Reviewed on: 3rd July 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 (148094)

Every thing been easy to use and understand

Every thing been easy to use and understand Reviewed on: 11th June 2026

Secure, easy to use with clear billing.

Secure, easy to use with clear billing. Never had a problem - recommended. Reviewed on: 11th June 2026

Always there when i need it with no long checks or d...

Always there when i need it with no long checks or delays. Reviewed on: 11th June 2026

Good for what I use it for

I’ve never had to call customer service which I think shows it’s a good product. They can sometimes be overzealous with emails, especially trying to get me to increase my limit which I don’t think is the best practice Reviewed on: 11th June 2026

I use PayPal regular and also Payal credit it help...

I use PayPal regular and also Payal credit it helps me a lot Reviewed on: 11th June 2026

Excellent for all my payment needs

Excellent for all my payment and budgeting needs - think that the app could be laid out a little more easy to understand for the senior folk. Reviewed on: 11th June 2026

Great for spreading the cost of online purchases

Great for spreading the cost of online purchases if you manage it correctly! The 0% interest period on purchases (like the 4-month or 6-month deals) is a massive help for budgeting. It’s incredibly easy to use at checkout. However, the standard interest rate is very high, so make absolutely sure to pay off your balance before the promotional window ends Reviewed on: 11th June 2026

A familiar and useful account for spreading the cost

Have used PayPal Credit for quite some time now and have found it useful for large purchases. The familiar PayPal App allows easy and flexible access to check and/or make extra or immediate payments on the account . Reviewed on: 11th June 2026

I use PayPal a lot for normal transactions and getti...

I use PayPal a lot for normal transactions and getting longer to pay for things, it allows me to afford more Reviewed on: 11th June 2026

I love how easy it is to navigate paypal and transfe...

I love how easy it is to navigate paypal and transferring money to your bank is instant...and you have the option to pay in 3.6or 12 months and there interst rates are manageable Reviewed on: 11th June 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

Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79262 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 100 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