Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178182 reviews)

View other PayPal products

4.73

Based on 178,033 reviews, last reviewed 12th Jul 2026

892% increase in 5 star reviews

in the past 90 days

828% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

If not for paypal credit, I'd not have had flexibili... If not for paypal credit, I'd not have had flexibility with money, given gifts I couldn't afford in the one payment or experienced things I was too ne... Read more Reviewed on: 12th July 2026

Latest lowest rating:

2

Nightmare if you have more than one payment at a time If you have more than one credit at a time, PayPal has no option for prioritising a different payment that you have interest free months left on. It m... Read more Reviewed on: 12th 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 (178188)

The pay in 3 option

The pay in 3 option that they give has provided me with multiple options to purchase items I've needed for my home with the ability to spread the cost at an interest free rate Reviewed on: 13th June 2024

Never have any issues using PP credit

Never have any issues using PP credit Reviewed on: 13th June 2024

Great service.

If l ever have to contact PayPal, always dealt with very quickly. Great communication too. Excellent service. Reviewed on: 13th June 2024

I find PayPal very simple to use people seem very co...

I find PayPal very simple to use people seem very comfortable with it. I like the option of protecting myself when I buy things and I like the options to spread Payments so it has good flexibility. Reviewed on: 13th June 2024

So handy to pay instalments!

I started using PayPal Credit when I needed a new washing machine but I couldn’t afford to pay outright. It was so handy having the option to pay monthly instalments. Reviewed on: 13th June 2024

Always easy to use!

Always easy to use! & the promotional no interest for 4 months offer is great Reviewed on: 13th June 2024

Excellent service, never a problem

Excellent service, never a problem Reviewed on: 13th June 2024

It’s very Easy use for purchase and receive

It’s very Easy use for purchase and receive Reviewed on: 13th June 2024

Never had an issue.

Never had an issue while using PayPal credit. Easy to use and being able to amend monthly payment amount makes it easy to pay or a little more or a little less when required. Regular statement make it clear what charges/interest is being incurred. Getting interest free periods for purchases over a certain amount is a real bonus. Able to set up as default payment method as well. Reviewed on: 13th June 2024

Thank you for providing great way of lending

Thank you for providing great way of lending Reviewed on: 13th 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 Zebra Finance 4.08 from 6 reviews
Payments
from PayPal 4.71 from 3849 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 99020 reviews
Payments
from PayPal 4.71 from 3849 reviews
Credit card
from PayPal 4.70 from 122 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