Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148723 reviews)

View other PayPal products

4.73

Based on 148,510 reviews, last reviewed 4th Jul 2026

4488100% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always so easy to deal with. Always so easy to deal with. Simple, straightforward and no nonsense! Reviewed on: 4th July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148723)

Convenience in the PayPal App

Using PayPal Credit has made online shopping so much easier. The application process was quick, and the checkout experience is seamless at participating retailers. I like having the flexibility to spread the cost of larger purchases, and managing my account online is straightforward. Payments are easy to make, and everything is clearly laid out, so it's simple to keep track of my balance. Overall, it's been a convenient and reliable way to manage purchases, and I've had a great experience using it. Reviewed on: 1st July 2026

Excellent service and always available

Excellent service and always available Reviewed on: 1st July 2026

I find PayPal the go to for everything money related...

I find PayPal the go to for everything money related in my world. Reviewed on: 1st July 2026

Highly recommend Five stars*****

Low rate. Helpful staff. Offer good options to pay and very flexible. Highly recommend Reviewed on: 1st July 2026

Buy now pay over 4 months, wow this is fantastic...

Buy now pay over 4 months, wow this is fantastic Reviewed on: 1st July 2026

Good use very good for me and easy to use

Good use very good for me and easy to use Reviewed on: 1st July 2026

Wonderful experience nice team responding promptly

Wonderful experience nice team responding promptly Reviewed on: 1st July 2026

Convenient

It helps at times just to use it then pay later. Reviewed on: 1st July 2026

Quick and simple process, sometimes its easier and...

Quick and simple process, sometimes its easier and safer to use PayPal as your options to pay are all in one place, from normal purchases to spreading the cost with pay in 3, pay in 30 days or PayPal finance. Everything is layed out clearly and all set up quicky too Reviewed on: 1st July 2026

It's great to have an account with great peoples.

It's great to have an account with great peoples. Reviewed on: 1st 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 Novuna Personal Finance 4.74 from 173 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.71 from 3759 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79714 reviews
Payments
from PayPal 4.71 from 3759 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