Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (172060 reviews)

View other PayPal products

4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (172118)

Easy to use, only recommendation is the option to se...

Easy to use, only recommendation is the option to select interest free payments individually to pay off to stop any interest clearly Reviewed on: 1st June 2024

I have used PayPal Credit since it launched and have...

I have used PayPal Credit since it launched and have always found their interest rates to be excellent. I have unwisely bought things from different countries twice only to find the items didn't exist. Each time PayPal got me the money back (lesson learned). Thanks PayPal credit. Reviewed on: 1st June 2024

Quick and easy to use - I just wish it was accepted...

Quick and easy to use - I just wish it was accepted in more places. I can spread the cost and pay off big purchases. I have used it for a holiday recently and I will be doing it again. Reviewed on: 1st June 2024

Helpful and efficient.

Always there to help if I have any concerns. Excellent customer service and support Reviewed on: 1st June 2024

PayPal credit is a great way to pay things up intere...

PayPal credit is a great way to pay things up interest free I love it Reviewed on: 1st June 2024

PayPal credit is great I use it often its simple and...

PayPal credit is great I use it often its simple and clear, it allows me to spead the cost of smaller or larger items alot of retailers accept PayPal payments I either use normal credit or spend over three. Reviewed on: 1st June 2024

helpful to achieve my financial goals

PayPal credit has been very helpful to achieve my financial goals. I love the flexibility it offers to my bills. There are still so many other options that I haven't used yet, however I know its available for when I would need it. Reviewed on: 1st June 2024

Great way to shop and spread the cost of purchases

Great way to shop and spread the cost of purchases without giving account or card details to multiple shops Reviewed on: 1st June 2024

I am happy with PayPal Credit.

I am happy with PayPal Credit. I recommander to my friends. Reviewed on: 1st June 2024

Regret using as the interest is awful

Regret using as the interest is awful Reviewed on: 1st 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 Novuna Personal Finance 4.73 from 173 reviews
Better Off Calculator
from Policy in Practice 4.64 from 496 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 94920 reviews
Payments
from PayPal 4.70 from 3835 reviews
Credit card
from PayPal 4.70 from 119 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