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)

I've used PayPal for years .

I've used PayPal for years and when I have had problems PayPal have been very quick to sort it out . Reviewed on: 11th May 2024

Love PayPal!

Always my go to source of funding for various purchases. Very reasonable and simple to use. Love it! Reviewed on: 11th May 2024

Paypal is safe, easy to use and quite efficient.

Paypal is safe, easy to use and quite efficient. I make purchases with ease knowing that PayPal will step in if the good or service is not delivered. The credit facility offered by paypal also offers me time to pay for my goods and services without worrying too much and the best part is, it is with 0%i nterest if paid back within the agreed time. Reviewed on: 11th May 2024

Great product, but lacking certain features

PayPal credit provides good features, but the tracking of balances is not straight forward at all. Any balances for which promotional period has ended are not displayed in the main portal and the only way to see them is through monthly statement, which is frustrating and confusing for many people. Additionally, the hierarchy of balance settlements from manual payments is very unclear, and even customer reps often are not sure on this. There should be better tools for tracking balances and better information around balance settlements readily available to customers. Reviewed on: 11th May 2024

Easy to use and helpful when needed

Easy to use and helpful when needed Reviewed on: 11th May 2024

You have a pal with PayPal.

Easy to use and transfer money into. I also like the fact I can spend money on take away food and the wife has no idea. It just says PayPal and that is handy as it just creates an argument otherwise. So thanks for that PayPal - pal being the main word. That could be your advert but instead of eating food on the sly you can have someone buying an anniversary gift and have a slogan - “you have a pal with PayPal” Reviewed on: 11th May 2024

PayPal credit have been excellent in helping in diff...

PayPal credit have been excellent in helping in difficult situations. Reviewed on: 11th May 2024

Great easy experience , the only down side is when y...

Great easy experience , the only down side is when you make payment to your account it doesn’t take the payment straight away, but great in everything else Reviewed on: 11th May 2024

The app sometimes irresponsive checking balance

The app sometimes irresponsive checking balance Reviewed on: 11th May 2024

Use it all the time , very easy to use...

Use it all the time , very easy to use Reviewed on: 11th 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

Loan
from Snap Finance 4.81 from 370 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Very Pay
from Shop Direct 3.48 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101311 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