Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175114 reviews)

View other PayPal products

4.73

Based on 174,829 reviews, last reviewed 10th Jul 2026

1347% increase in 5 star reviews

in the past 90 days

1212% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Ease of use All seemed to go through easily without too much hassle. Reviewed on: 10th July 2026

Latest lowest rating:

2

I working with paypal between 5 or 6 years , when is... I working with paypal between 5 or 6 years , when is something wrong paypal don't help me , why i used , have another credit company the process is mo... Read more Reviewed on: 10th 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 (175127)

Been easy to use

Been easy to use & understand statements and pay back anything that has been spent really enjoyed the 0% interest offer. Reviewed on: 7th July 2026

PayPal Credit is so easy to use and the app has a si...

PayPal Credit is so easy to use and the app has a simple format. I know exactly where I am managing my money and how much I have to pay. Reviewed on: 7th July 2026

They are easy to use and it gives me flexibility whe...

They are easy to use and it gives me flexibility when making a purchase. Reviewed on: 7th July 2026

Always a good experience using PayPal Credit.

I've used PayPal credit on several occasions without issue. Always simple, quick and reliable. Reviewed on: 7th July 2026

Setting up payments via the app is a doddle

Setting up payments via the app is a doddle and I find the ‘pay in 3’ facility really useful Reviewed on: 7th July 2026

As a family with additional needs

As a family with additional needs making split payments makes life easier Reviewed on: 7th July 2026

I have ever had a problem using PAYPAL.

I have ever had a problem using PAYPAL. I trust that my monies will be safe Reviewed on: 7th July 2026

Actually think PayPal credit is a no brainer.

Actually think PayPal credit is a no brainer. It’s a handy option to spread slightly larger purchases (over £100) interest free for four months. Since PayPal introduced the physical card this has benefitted me so much because now I’m not tied to utilising PayPal credit online. As long as you don’t get carried away it’s a fantastic option to manage a little bit of debt without stumping a huge interest bill! Reviewed on: 7th July 2026

Paypal is absolutely fantastic.

Paypal is absolutely fantastic. I use it always and rely on it completely. Reviewed on: 7th July 2026

Great to have a choice to pay monthly

Great help when buying products to have a choice to split payment weekly or monthly Reviewed on: 7th 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 Zebra Finance 4.08 from 6 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 97020 reviews
Payments
from PayPal 4.71 from 3843 reviews
Credit card
from PayPal 4.70 from 121 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