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)

Easy to use and understand!

Ease of use is the main interest for me. The 0% interest on balance if paid off in 4 months is a game changer as well. I've never been confused using the app either, well laid out and familiar Reviewed on: 13th May 2024

It helps me manage my finances, whenever I needed to...

It helps me manage my finances, whenever I needed to buy house essentials (fridge, bed, stove ) it really helped. Reviewed on: 13th May 2024

Great! Would recommend

Simple and easy to use! Highly recommend Reviewed on: 13th May 2024

Paypal is a great service

I enjoy using paypal as I don't need to keep re-entering my bank details. It feels like a secure service to pay with. Additionally, the choice of paying in 3 is always good to have when making big purchases & where you don't want to see a big dip in your bank balance. I always found using Paypal quick and easy Reviewed on: 13th May 2024

As good as you can get

PayPal credit has helped me get through difficult times. There when I needed it. Reviewed on: 13th May 2024

Brilliant and simple to use.

Brilliant and simple to use. Works on majority websites and also accessible wherever you are. Nice easy affordable limit with clear transparency on payments. Very secure. Reviewed on: 13th May 2024

Very efficient customer service.

Very efficient customer service. When it comes to processing claims/refund, they are very efficient and makes sure issue is resolved. Reviewed on: 13th May 2024

I've been using PayPal and would highly recommend

I've been using PayPal for a long time now and have never had anything but good service and excellent support when needed. Reviewed on: 13th May 2024

PayPal is cool fast and effective

PayPal is cool fast and effective Reviewed on: 13th May 2024

So simple and a decent range of options

So simple and a decent range of options in regards to payments and credits. I wouldn't do without it! 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 Zebra Finance 4.08 from 6 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Loan
from Snap Finance 4.81 from 370 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