Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

View other PayPal products

4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 See your 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.

PayPal PayPal Credit reviews (181153)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

Awesome credit experience

Awesome experience seeing far. Most of my credit demand were met seemlessly Reviewed on: 14th July 2026

Great and healthy credit initiative

Since the introduction of your credit card, which is attached to the PayPal account, the interest free period on purchases has been a game changer without applying for a new card. It’s intuitive when it shows how long we have to pay the balance based on the purchase date and how much we have to pay by to avoid paying the interest. It’s a much healthier way of credit because of this little function. Reviewed on: 14th July 2026

Amazing handy app for paying and saving

Amazing handy app for paying and saving Reviewed on: 14th July 2026

Easy to apply and to use.

Easy to apply and to use. The virtual credit card allows you to take advantage of the services even without direct paypal payment method. Reviewed on: 14th July 2026

It was very nice to have the chance to pay something...

It was very nice to have the chance to pay something in 4 instalments without interest and helped with my budget while solving an emergency like my phone breaking Reviewed on: 14th July 2026

It's helped me out a few times with big purchases

It's helped me out a few times with big purchases and for that I'm grateful. Having time before interest is really good when you have the means to pay it back also. Reviewed on: 14th July 2026

Erika lili

all good always helps me out. I used pay 3 very well worked for me. Reviewed on: 14th July 2026

Very easy and less services payment

Very easy and less services payment Reviewed on: 14th July 2026

It’s the only platform for buying things.

It’s the only platform for buying things. The protection and the ease of use Reviewed on: 14th July 2026

If u borrow u need to payback the money but the inte...

If u borrow u need to payback the money but the interest is just too high. Everything else is excellent. They cover you when you buy online even these Chinese scam websites PayPal stands up for u so that u can get your money back 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 Close Brothers 3.17 from 12 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101310 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