Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (174305 reviews)

View other PayPal products

4.73

Based on 174,092 reviews, last reviewed 9th Jul 2026

1375% increase in 5 star reviews

in the past 90 days

1263% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

"I highly recommend PayPal Credit for anyone looking... "I highly recommend PayPal Credit for anyone looking for a flexible way to finance online shopping. The biggest advantage is the 0% interest offer for... Read more Reviewed on: 9th July 2026

Latest lowest rating:

2

The card keeps being rejected and I lose out on my p... The card keeps being rejected and I lose out on my points and it's embarrassing when it's declined Reviewed on: 9th 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 (174324)

Easy to set up and use PayPal.

Easy to set up and use PayPal. Payments can be made easily via the app and it’s secured Reviewed on: 10th June 2024

Very good service always helpful and reasonable repa...

Very good service always helpful and reasonable repayments Reviewed on: 10th June 2024

PayPal credit is a great option

PayPal credit is a great option, we wanted a last minute break for my partners birthday and PayPal credit enabled us to do that with interest free for several months. This allowed us to make memories when we wouldn’t have been able to do so otherwise. Reviewed on: 10th June 2024

PayPal should offer a physical card to use anywhere

PayPal should offer a physical card to use anywhere Reviewed on: 10th June 2024

Amazing app and company always gives a different way...

Amazing app and company always gives a different way to pay and Is simple to use Reviewed on: 10th June 2024

hassle free

It was very straight forward and easy to use. No hassle setting up, lots of help available if needed. You can choose your amount and have it instantly Reviewed on: 10th June 2024

Highly Recommend

Always used PayPal credit when I want to split payments into easier and more affordable splits, customer service and general help has always been fantastic too! Never experienced any issues personally using it! Reviewed on: 10th June 2024

Convenience and extra help

PayPal credit has given me an extra life line when I’m struggling before Christmas and pay day has been useful. Plus PayPal is now accepted on so many websites. Only down side you can’t use in store. Reviewed on: 10th June 2024

my experience so far is always excellent with pay pal

my experience so far is always excellent with pay pal never had any issues with any payments the pay in tree is very helpful facility also intrest free credit for four months is best option to pay your purchase. Reviewed on: 10th June 2024

Is good for paying online transition safley

Is good for paying online transition safley Reviewed on: 10th June 2024

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
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 96457 reviews
Payments
from PayPal 4.71 from 3840 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