Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181136 reviews)

View other PayPal products

4.73

Based on 181,135 reviews, last reviewed 27th Aug 2026

2% decrease in 5 star reviews

in the past 90 days

11% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

HelloTabassum i am always feel easy when i login and manage my account simply Reviewed on: 27th August 2026

Latest lowest rating:

2

great app, very useful n othing like it great app, very useful n othing like it Reviewed on: 23rd 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 (181136)

Pay in 3 option

Pay in 3 option it is my favourite Reviewed on: 14th July 2026

Lovely credit service.

I have been using PayPal credit for a while now and they have been absolutely amazing. Easy enough to pay off the monthly minimum or change the amount. I would definitely recommend. Reviewed on: 14th July 2026

Very easy to use and secure way to pay

Very easy to use and secure way to pay Reviewed on: 14th July 2026

PayPal make it easy

PayPal make it easy to buy items, the 3 /4 month payback that is offered on larger items is super easy to apply for and makes it easier to bu those larger household items Reviewed on: 14th July 2026

Have both bad and good, i believe paying by PayPal y...

Have both bad and good, i believe paying by PayPal you cover, protected but is the order way round. Reviewed on: 14th July 2026

I love PayPal Credit, however, the only thing I woul...

I love PayPal Credit, however, the only thing I would say is that my direct debit never goes out on the day it is supposed to because of the processing time, which is a hassle for someone like me that has DD’s going out left right and centre, but every other company takes the DD out on the day it’s scheduled for which makes my money easier to track. Reviewed on: 14th July 2026

I love PayPal it's amazing,

I love PayPal it's amazing, it's so easy to use, especially online when I don't have my cards to hand. I love that PayPal offers buyer protections with all my purchases. I feel safe and secure when using PayPal, especially on sites I've never purchased from before as I know if anything goes wrong PayPal are their to help. If I've ever had any issues customer support are really easy to contact and they are amazing and helpful Reviewed on: 14th July 2026

great products and approvals.

great products and approvals. the 3 main products are fantastic and give great optionality. Reviewed on: 14th July 2026

Amazing for convenience and spreading of payments

I find PayPal Credit very useful as it helps me pay off certain transactions that may not have been affordable immediately, in four months. This is my greatest benefit Reviewed on: 14th July 2026

Excellent easy to use service.

Excellent easy to use service. Totally convenient to pay many types of products and services. A very useful setup for repayment. Reviewed on: 14th 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 Novuna Personal Finance 4.73 from 173 reviews
Very Pay
from Shop Direct 3.48 from 29 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 101294 reviews
Payments
from PayPal 4.71 from 3855 reviews
Credit card
from PayPal 4.66 from 126 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