Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171916 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 (171939)

Brilliant safe service would not pay any other way

Brilliant safe service would not pay any other way Reviewed on: 24th May 2024

Quick and easy way to purchase things online, open a...

Quick and easy way to purchase things online, open and transparent about purchases and fees. Helped me buy things that would usually take me months to save up for. Reviewed on: 24th May 2024

Always reliable fast

Great experience always reliable and fast. I use paypal when paying for items as I trust that should anything go wrong I can always get my money back. I feel very assured when using paypal. Reviewed on: 24th May 2024

I wanted to share my experience with PayPal Credit a...

I wanted to share my experience with PayPal Credit as a customer. It’s been a convenient way to manage my online purchases by integrating seamlessly with my existing PayPal account. Reviewed on: 24th May 2024

My experience using PayPal Credit

I’ve been using PayPal Credit for a while now, and my experience has been overwhelmingly positive. From the ease of application to the convenience of use, PayPal Credit has been a reliable financial tool for my needs. Firstly, applying for PayPal Credit was straightforward and quick. The approval process was smooth, and I was able to start using the credit immediately. I appreciate the transparency in terms and conditions, which made me feel comfortable from the start. One of the standout features for me has been the seamless integration with my PayPal account. This integration allows for a smoother checkout process when shopping online. The "Pay in 4" feature, which lets you split payments into four interest-free installments, has been particularly beneficial, helping me manage my budget more effectively. Customer service has also been excellent. On the few occasions I've had questions, representatives have been knowledgeable and friendly, resolving my issues promptly and efficiently. In terms of security, PayPal Credit offers robust protections, which give me peace of mind when making transactions. The detailed statements and notifications help me stay on top of my spending and due dates, avoiding any unnecessary interest charges or late fees. Overall, I highly recommend PayPal Credit to anyone looking for a flexible and reliable credit solution. It has made managing my finances easier and more convenient, while also providing excellent service and security. Reviewed on: 24th May 2024

By buying needs that you can split and pay over a ce...

By buying needs that you can split and pay over a certain period of months without interest. Reviewed on: 24th May 2024

Happy Paypaler

I would recommend if you see an item you like but it’s not payday for a while yahooo just get it Reviewed on: 24th May 2024

Credit offering is good when it appears (specificall...

Credit offering is good when it appears (specifically the 0% option) but rules around it seem inconsistent Reviewed on: 24th May 2024

Very helpful and useful credit.

Very helpful and useful credit.. Reviewed on: 24th May 2024

Excellent application

Excellent application, and a professional team Reviewed on: 24th May 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

Payments
from PayPal 4.70 from 3835 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Loan
from Snap Finance 4.82 from 370 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 94752 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