Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (177297 reviews)

View other PayPal products

4.73

Based on 177,088 reviews, last reviewed 11th Jul 2026

1233% increase in 5 star reviews

in the past 90 days

1072% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Very good costumer service. Very good costumer service. Good value of money, giving 0% for four months it’s so helpful Reviewed on: 11th July 2026

Latest lowest rating:

1

Terrible could not use and nothing would authorise Terrible could not use and nothing would authorise Reviewed on: 11th 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 (177308)

The safest and secure way to pay online

PayPal is one of the most secure ways of paying for things online and a level of protection you won't see from any other financial institutions. Reviewed on: 7th July 2026

Credit features easy to use since they are integrate...

Credit features easy to use since they are integrated into the payment process Reviewed on: 7th July 2026

Great service, very easy to use app, great credit se...

Great service, very easy to use app, great credit service, lots of aspects to the app including tracking parcels, overall a great, smooth experience! Reviewed on: 7th July 2026

It's just easy

It's just an easy way to pay. And if things are a little tight, there is always a way of spreading the load. Reviewed on: 7th July 2026

No issues using PayPal credit.

Easy way to pay for things and send money. Would definitely recommend. Reviewed on: 7th July 2026

Great service.

Great service, disputes and issues sorted promptly. Reviewed on: 7th July 2026

An easy, simplistic way to manage your expenditure.

An easy, simplistic way to manage your expenditure. Spreading the cost of items over 3 months eases the strain of your finances and gives you some breathing room without costing you any interest, which is amazing! Reviewed on: 7th July 2026

PayPal Credit Has Been a Lifesaver More Than Once

I've been using PayPal for years and it's easily one of the most useful financial services I have. What really stands out for me is PayPal Credit and the flexibility it gives when unexpected expenses come up. Last year my washing machine broke down completely and I needed a replacement straight away. Thanks to PayPal Credit, I was able to order a new one immediately and spread the cost over several months rather than paying a large amount upfront. It took a lot of stress away. I've also used PayPal Credit for bigger purchases such as booking flights and buying a new laptop for work. Being able to pay over time while keeping everything organised in one place has been incredibly helpful for managing my budget. The whole PayPal experience is simple and secure. Payments are quick, I trust the buyer protection, and I always feel confident when shopping online. I've never had any issues, and whenever I've needed to check my account or make a payment, everything has been straightforward and easy to understand. For me, PayPal Credit is more than just a payment option, it's a genuinely useful financial tool that provides flexibility and peace of mind when you need it most. I would highly recommend it to anyone looking for a safe, convenient and customer-friendly way to manage their purchases. Reviewed on: 7th July 2026

The information feels at times gate kept and difficu...

The information feels at times gate kept and difficult to gather the correct information. Reviewed on: 7th July 2026

PayPal is always there for me, whether it’s on my de...

PayPal is always there for me, whether it’s on my desktop or phone to pay for things. Pay in 3 is amazing Reviewed on: 7th 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 Omni Capital Retail Finance 3.99 from 4 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Very Account
from Shop Direct 3.18 from 28 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 98534 reviews
Payments
from PayPal 4.71 from 3847 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