Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

View other PayPal products

4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st September 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd July 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (181153)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Positive experience

Excellent service all round, Amazon customer service and love the option of paying in 3 with no interest Reviewed on: 14th July 2026

Lovely way to pay

I have had a lovely experience with PayPal.i have using PayPal for a while now, never had any problems with PayPal. Reviewed on: 14th July 2026

Paypal Credit for large or luxury items

I use PayPal Credit to purchase larger essential items, such as a washing machine, as it allows me to spread the cost. I also use it occasionally to buy special treats for myself or my family that I might not otherwise be able to afford in one payment. Most recently, I used it to buy my son a virtual reality headset for his birthday, costing £399, as the option to pay in instalments made it much more manageable. Reviewed on: 14th July 2026

Good options for pay in 3 or longer with special pro...

Good options for pay in 3 or longer with special promotions Reviewed on: 14th July 2026

Excellently brilliant

Excellent always easy to use recommend Reviewed on: 14th July 2026

My go-to for online payments

Easy way to pay, with flexible repayment options. My go-to for online payments Reviewed on: 14th July 2026

Easy to use app that gives you protection on what yo...

Easy to use app that gives you protection on what you buy. Excellent service. Reviewed on: 14th July 2026

Easy to use and understand, easy to make payment tha...

Easy to use and understand, easy to make payment that suits Reviewed on: 14th July 2026

The best 4 credit

When i applied it was easy and fast 2 get everything done and it never taken long 2 find out if u got it or not Reviewed on: 14th July 2026

Great Experience with PayPal Credit

I’ve been really impressed with PayPal, especially the PayPal Credit feature. The option to spread the cost with 0% interest for 3 months after a purchase is a great benefit and makes managing larger payments much easier. The service has been simple, convenient, and reliable. Reviewed on: 14th July 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

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3854 reviews
Loan
from Snap Finance 4.81 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 reviews
Payments
from PayPal 4.72 from 3854 reviews
Credit card
from PayPal 4.66 from 126 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