Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (149864 reviews)

View other PayPal products

4.73

Based on 149,671 reviews, last reviewed 6th Jul 2026

1848% increase in 5 star reviews

in the past 90 days

2510% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

4

Easy to access but a little confused Easy to access but a little confused with when/how first instalment is due Reviewed on: 6th July 2026

Latest lowest rating:

2

Verifying payments! Finding how to verify a payment on either the PayPal App or the website is a complete nightmare! Why this cannot simply be a 'pop up' on the site or ... Read more Reviewed on: 5th 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 (149866)

Whats to tell - Pay-in-3 is really useful.

Whats to tell - Pay-in-3 is really useful. I don't use credit cards anymore, but I don't mind using Pay-in-3 a reasonable amount to help defray costs, especially come the end of the month before payday. Reviewed on: 12th June 2026

I have only had a good experience with PayPal when e...

I have only had a good experience with PayPal when ever I have used it to pay for something yours sincerely Derek Fleming Reviewed on: 12th June 2026

PayPal is very user friendly with great credit options

PayPal is very user friendly, all of your payment methods in one place. They also have a fantastic pay in 3 system where you pay for your purchases over three months, interest free!. If you're eligible, PayPal credit is also even better for purchases over £99 where you spread the cost over 4 months interest free. I find it a great way to manage my finances. PayPal were also great when I needed to dispute a payment to a retailer when I didn't receive my items, I have never had a company respond so quickly and I feel extra safe using their credit products. Reviewed on: 12th June 2026

PayPal - Versatile Payment Platform

PayPal is my preferred payment method as it’s quick and easy with various payment options. Reviewed on: 12th June 2026

Confidence in PayPal

I am so confident buying items using PayPal on line. Its is a simple and easy way to pay, knowing that your payment is secure and safe. I have also had disputed items that I paid with PayPal and on two occasions and PP took up the challenge to achieve refunds. A brilliant service. Reviewed on: 12th June 2026

Easy to use and you can use it to pay...

Easy to use and you can use it to pay for anything Reviewed on: 12th June 2026

Good interest free options and great that you get a...

Good interest free options and great that you get a physical card Reviewed on: 12th June 2026

Every transaction you is flawless and easy to use.

Every transaction you is flawless and easy to use. Reviewed on: 12th June 2026

Leading the way

PayPal has become by far the best organised online payment system globally,ive been with paypal for 20 years now and even in the beginning i could see the benefits and potential of what they were trying to achieve,and it hasn't disappointed,paypal credit is the icing on the cake,its so easy to choose the option that suits best,ie- interest free for 4 months or pay in 3,theres always a great choice and easy to use,if ever thers a problem, customer service are easy to contact and really helpful every time.i trust paypal more than my bank!!.All financial institutions should take a leaf out of paypals book Reviewed on: 12th June 2026

I have been using PayPal for making payments, and my...

I have been using PayPal for making payments, and my experience has been excellent. It is easy to use, secure, and very convenient. Payments are processed quickly, and the service is reliable. PayPal makes online transactions simple and stress-free. Highly recommended! Reviewed on: 12th 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

Retail Finance
from Close Brothers 3.17 from 12 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Very Account
from Shop Direct 3.38 from 27 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 80576 reviews
Payments
from PayPal 4.71 from 3760 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