Write a review

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.91 (50807 reviews)

View other PayPal products

4.91

Based on 50,807 reviews, last reviewed 1st Feb 2026

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

93%

Latest highest rating:

5

Simple and handy PayPal approved me for credit when NatWest would not, allowing me to make purchases with zero interest for 4 months. Their Pay in 3 service has also b... Read more Reviewed on: 25th January 2026

Latest lowest rating:

1

6M 0 interest is a scam. I opened this account because it offer 6M 0 interest. Im a 0 int person, i refuse to make banks rich and steal peoples money. Mind you, I have the mon... Read more Reviewed on: 1st February 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 (50807)

Info can be confusing Can't speak to anyone?

Info can be confusing Can't speak to anyone?o Reviewed on: 29th May 2025

Quick, easy to use.

Quick, easy to use. Hood security. Widely applicable. Reviewed on: 29th May 2025

Easy service to use which can be very useful

Easy service to use which can be very useful Reviewed on: 29th May 2025

Easy to use, app is informative and easy to navigate

Easy to use, app is informative and easy to navigate Reviewed on: 29th May 2025

Simple and effective

Always a smooth experience and very simple process to follow. Reviewed on: 29th May 2025

Easy to use, available in most places

Easy to use, available in most places Reviewed on: 29th May 2025

PayPal is super simple to use and is user friendly.

PayPal is super simple to use and is user friendly. PayPal credit is just an extra helping hand when I need to juggle payments Reviewed on: 29th May 2025

Incredibly helpful easy to use and Great for online...

Incredibly helpful easy to use and Great for online shopping and protective online checkouts Reviewed on: 29th May 2025

Great easy to use

Never had any issues great fast and Easy to use Reviewed on: 29th May 2025

Good app and interface, not the cheapest rates.

The app and interface is excellent and very easy to use. The interest rate is on the higher side, especially if clients have a long standing track record of repaying their commitments. Reviewed on: 29th May 2025

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 2.53 from 12 reviews
Loan
from Snap Finance 4.90 from 369 reviews
Retail Finance
from Omni Capital Retail Finance 4.00 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.93 from 22350 reviews
Payments
from PayPal 4.91 from 3600 reviews
Debit card
from PayPal 4.00 from 1 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