Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (145191 reviews)

View other PayPal products

4.73

Based on 144,806 reviews, last reviewed 24th Jun 2026

4319700% increase in 5 star reviews

in the past 90 days

12450% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Simple to use, good to space out payments Simple to use, good to space out payments Reviewed on: 24th June 2026

Latest lowest rating:

1

Scam alert Alerted that I couldn’t have credit due to credit check and referred to team union. ( I gave excellent credit rating on experien.). Trans union asjed ... Read more Reviewed on: 22nd June 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 (145193)

Safe and reliable

I’ve been using PayPal Credit for years now and had no issues whatsoever. I feel safe when shopping cause I know I’ll get my money back if anything where to happen. Rates are fine, statements clear and easy to understand. You know how much you’ve paid and also when and where were transactions made. Highly recommended! Reviewed on: 13th June 2022

1000%reliable

It as an amazing experience as no hidden costs and pretty reasonable to use. I've been loving it. And looking forward to ues much more in future Reviewed on: 13th June 2022

App great,ease of use

Convenient and safe way to purchase… Reviewed on: 13th June 2022

The safest online way to shop

PayPal has always been my goto preferred payment method when shopping online, and PayPal credit has made it even easier. From spreading payments over a set period to interest-free offers, it really is the best way to shop. Reviewed on: 13th June 2022

Life-saver! Outstanding company with your excellent customer service

I’m not sure how much I owe in my life to PayPal credit. It has allowed me to do so many things that I wouldn’t have been able to without it. The 0% interest makes it a financially sensible and affordable option for millions. Reviewed on: 13th June 2022

Easy to use and understanding

I have been using PayPal for many years and I Found it very very easy and understanding i am using it to pay all my online payment it’s much better , highly recommended. Reviewed on: 13th June 2022

Ease of Use and great communication

This is a great product backed up by amazing customer service. Reviewed on: 13th June 2022

easy and simple

I love using paypal credit because of the charges (if any!!!) are transparent and the Paypal app is very user friendly! Reviewed on: 13th June 2022

Easy and straight forward to us

Always use and their is little hassle with it and I find a secure way to work with. Reviewed on: 13th June 2022

Ease of use

It is so beautiful easy to use and pay for items quickly. Makes shopping so much easier Reviewed on: 13th June 2022

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 Omni Capital Retail Finance 3.99 from 4 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 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 76030 reviews
Payments
from PayPal 4.71 from 3756 reviews
Credit card
from PayPal 4.69 from 98 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