Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148472 reviews)

View other PayPal products

4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. 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 (148473)

Efficient service

Efficient service level. Straightforward Reviewed on: 11th June 2026

Very easy to use.

Very easy to use. Flexible. Early payment warning Reviewed on: 11th June 2026

It’s just an easy credit system to use.

It’s just an easy credit system to use. I can’t find a thing to complain about. Reviewed on: 11th June 2026

PayPal Credit is easy and straightforward to use.

PayPal Credit is easy and straightforward to use. The promotional offers of m0% for 4 months is great, as it is helpful when spreading the cost for more expensive items. Depending on interest rate there is always a £5 minimum payment due every month, which is fine (I usually pay more than this anyways) however there has been the odd time where I have been caught out paying an installment a day too soon so it's not on the months statement I planned and I have to make another payment. Reviewed on: 11th June 2026

On the rare occasion I have to request PayPal to get...

On the rare occasion I have to request PayPal to get me a refund when the supplier would not respond to my emails I have had a refund in days Reviewed on: 11th June 2026

Clear information and Great Availability

Its been great to know thats it available and you have control over your limits. Easy to set up and link accounts. Clear information and breakdown provided. DD availability together with a great portal and dashboard Reviewed on: 11th June 2026

Easy to use! Good service!

Easy to use! App is good and simple easy making payments! Any problems the message service is good any problems I’ve had have been dealt with in the allotted time period. Reviewed on: 11th June 2026

Amazing!

Amazing! My always go to checkout option! Reviewed on: 11th June 2026

Very helpful for spreading the cost

Very helpful for spreading the cost Reviewed on: 11th June 2026

Quick, hassle- free and easy to use.

Quick, hassle- free and easy to use. Knowing it’s save & secure is an added plus. 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

Payments
from PayPal 4.71 from 3759 reviews
Very Account
from Shop Direct 3.38 from 27 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79537 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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