Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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

Awards

Best retail finance provider 2026

Awarded to the retail finance provider rated highest in customer reviews.
Best credit app 2026

Awarded to the credit union rated highest in customer reviews for their app

PayPal PayPal Credit reviews (181154)

when i need credit helps me to buy and pay monthly a...

when i need credit helps me to buy and pay monthly and so so easy and secured also i live thanks pay pal credit o dons use any credit only this.thank you Reviewed on: 13th May 2024

Easy to manage, great offer on payment plans but unf...

Easy to manage, great offer on payment plans but unfortunately unable to use it some circumstances i.e. ebay best offers. Reviewed on: 13th May 2024

Very easy to navigate and user friendly

Very easy to navigate and user friendly Reviewed on: 13th May 2024

Always a smooth process I haven’t had any problems

Always a smooth process I haven’t had any problems Reviewed on: 13th May 2024

I have had no problems with PayPal.

I have had no problems with PayPal. I trust the team completely Reviewed on: 13th May 2024

Always got your back

One incident stood out for me. I used PayPal credit to pay for my flight ticket and then cancelled the order. The payment went through but after cancelling, the money was not reverted and ended up paying PayPal. After much back and forth with the booking company, I reached out to PayPal and escalated the issue. After giving the booking company a chance to react, PayPal refunded my money in full! Reviewed on: 13th May 2024

Whenever I talk to anyone at PayPal I have a speech...

Whenever I talk to anyone at PayPal I have a speech impediment and they listen carefully understand me if not they ask me to repeat for them they don't just say yes and guess the rest they are polite well mannered and respectful always a professional and successful team in the job they do would recommend them to the Royal family with confidence Reviewed on: 13th May 2024

Customer service five star

PayPal customer service is amazing, quick response, helpful, fully explained any issues. Reviewed on: 13th May 2024

I’ve used PayPal Credit for many years.

I’ve used PayPal Credit for many years. It’s great to have along my credit cards and PayPal is always an option when you need some extra time to pay for big purchases in Currys and other big names. Reviewed on: 13th May 2024

Best offer going: 4 month interest-free credit

PayPal’s 4 month interest-free credit offers so much better value than any credit card I can get! Reviewed on: 13th 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

Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Payments
from PayPal 4.72 from 3854 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 reviews
Payments
from PayPal 4.72 from 3854 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