Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.74 (132616 reviews)

View other PayPal products

4.74

Based on 132,616 reviews, last reviewed 10th Jun 2026

3765200% increase in 5 star reviews

in the past 90 days

10650% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Just good ways to pay handy and reliable Just good ways to pay handy and reliable Reviewed on: 10th June 2026

Latest lowest rating:

2

Paid for an item that never came with proof from par... Paid for an item that never came with proof from parcel company and sellers instant chat but still didn't get a refund!!! 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 (132616)

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

Stops you getting into debt!

PayPal Credit is an excellent idea!! I can purchase things spreading cost interest free. Before PayPal credit, I would put things on a credit card but end up not paying them in full & got into debt incurring interest. I can now budget and remain debt free by using PayPal credit. It’s easy to understand and monitor too. Excellent service. Reviewed on: 13th August 2022

Easy and handy

Handy to have, easy to apply for with no stress. Repayments are also very easy Reviewed on: 13th August 2022

PayPal Credit is easy to use.

If you need a little time to pay, PayPal Credit is ideal. Pay the minimum amount, or pay your total off gradually as you can afford it, it is easy and up to you! Reviewed on: 13th August 2022

Comes in handy often enough.

Due to its minimum £99 pound spending to use, means its not getting used all the time but comes in ckutch when you need tk bjy something slightly expensive before your paycheck comes through. Reviewed on: 13th August 2022

Excellent Service and value for money PayPal

Never ever had a problem with PayPal and PayPal Credit is a brilliant way to spread to spread the cost a little with four months of interest-free credit. Reviewed on: 13th August 2022

Excellent Service

Hassle free. Easy to use. Easy to track and stay upto date. Reviewed on: 13th August 2022

Great Way to spread the cost

PayPal has helped me and it’s convenient because many sites used PayPal payment Reviewed on: 13th August 2022

PayPal credit

PayPal credit has allowed me to manage my finances much better throughout the cost of living crisis. It has not only allowed me to fund relatives and loved ones birthdays and Christmases, but it has allowed me to get my personal fiannces in order and to have peace of mind if or when an emergency was to take place. I highly recommend PayPal credit for its freedom and flexibility and how much it has assisted me this year! Reviewed on: 13th August 2022

easy

Easy to use and keep track of, splitting into 3 also great 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
Payments
from PayPal 4.73 from 3743 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 64109 reviews
Payments
from PayPal 4.73 from 3743 reviews
Credit card
from PayPal 4.70 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