Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (178212 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 (178257)

Excellent

Never had an issue with PayPal, quick and easy to use Reviewed on: 9th June 2024

Best of Best

Great, lovely and nice with pack of experience Reviewed on: 9th June 2024

I love PayPal credit

I use PayPal credit all the time, I've never had a problem and never missed a payment. PayPal are great with communication and reminders, they make the whole process simple and affordable. Reviewed on: 9th June 2024

Generous credit terms

Favorable credit terms are offered, with purchases exceeding £100 granted a 4-month interest-free period. Additionally, I appreciate the regular credit limit reviews. Reviewed on: 9th June 2024

Excellent service

Excellent service highly recommended Reviewed on: 9th June 2024

Easy to use and pay.

Easy to use and pay. Secure transactions when paying and good way of paying the money back. Reviewed on: 9th June 2024

I love PayPal because it’s safe and reliable.

I love PayPal because it’s safe and reliable. Very easy to use fast checkouts and used by loads of retailers. Affordable pay back options too. I have been a customer for a long time and think it beats the other leading providers hands down - only thing it doesn’t have (to my knowledge) is an option to spend paypal credit balance in stores. none the less I will be a customer forever :) Reviewed on: 9th June 2024

Have had a nice easy and stress free experience with...

Have had a nice easy and stress free experience with asking for the credit and receiving it and paying back is as easy as pie got a lot of control Reviewed on: 9th June 2024

I have been with PayPal for a long time and they hav...

I have been with PayPal for a long time and they haven’t failed me in anything. I just love the financial freedom I have with them Reviewed on: 9th June 2024

Secure and safe

I feel protected when using paypal Reviewed on: 9th 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 Close Brothers 3.17 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 99074 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