Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168513 reviews)

View other PayPal products

4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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 (168513)

With PayPal your set up for it

Hit does what it says Fantastic Bombastic Reviewed on: 6th July 2026

'Best Retail Finance Provider'

I recently had a great experience with PayPal Credit. On received a reminder offering. The process was incredibly quick—just a few clicks, and within about two minutes she was approved with no hesitation. I appreciated that it was clearly optional: if we didn’t take any action by the set date, the limit would simply stay the same. That gave us confidence to proceed without pressure. Very useful, and there was no complicated application or lengthy checks. Having the option to use a physical card is also very handy for everyday transactions wherever we are. Overall, PayPal made the process simple, transparent, and convenient. Thank you. Reviewed on: 6th July 2026

Never had a problem, easy to use.

Never had a problem, easy to use. Flexible options for paying too. Reviewed on: 6th July 2026

Very good thankyowhat more do you need

Very good thankyowhat more do you need Reviewed on: 6th July 2026

PayPal has really helped me spread the cost

PayPal has really helped me spread the cost Reviewed on: 6th July 2026

4 months 0% repeatable

Handy for my drone gear, camera lenses, and moto kit buys. The repeatable 0% for 4 months on £99+ purchases works well when I pay on time — spreads costs nicely without interest. Seamless at PayPal checkouts. Reviewed on: 6th July 2026

PayPal credit provides access to funds at reasonable...

PayPal credit provides access to funds at reasonable rates, easy to use and access. Easy to set up and track my usage in the app. Making this the default method of payment allows for quick transactions. Reviewed on: 6th July 2026

Great way to spend when sticking to repayment plan.

Great way to spend when sticking to repayment plan. Reviewed on: 6th July 2026

Flexible payments and spread the cost of more expens...

Flexible payments and spread the cost of more expensive purchases Reviewed on: 6th July 2026

Had bad experience.

Had bad experience. What happend to ur protection buyer policy. U didn’t protect me Reviewed on: 6th 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

Payments
from PayPal 4.70 from 3812 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 88702 reviews
Payments
from PayPal 4.70 from 3814 reviews
Credit card
from PayPal 4.69 from 116 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