Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (168059 reviews)

View other PayPal products

4.73

Based on 167,691 reviews, last reviewed 7th Jul 2026

1469% increase in 5 star reviews

in the past 90 days

1465% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Safe payment I use Paypal whenever I can as it means that I don't have to reveal my card number to pay for goods. I have also used the 3 month credit system which... Read more Reviewed on: 7th July 2026

Latest lowest rating:

2

Slow Payments & Poor Customer Service Payments take too long to reach my account compared to others I send (by far!). Little protection, poor CS, explanations vary from agent to agent. Mos... Read more Reviewed on: 7th 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

PayPal PayPal Credit reviews (168097)

Never have a problem.

Never have a problem. Even when I do have issue they are resolved swiftly Reviewed on: 7th July 2026

PayPal credit is simple and easy to use and offer ve...

PayPal credit is simple and easy to use and offer very good 0% deals on short term credit like 4months free or pay in 3. Great for those slightly larger purchases to spread the cost out and extend your disposable income. Reviewed on: 7th July 2026

Great for helping manage budgets

I really enjoy using PayPal credit as an easy way of paying in instalments. It allows me to chose the amount I want to pay monthly and split the cost of more expensive items across several months. It’s also great for big orders of clothing I want to try on and then I can decide what to keep, pay off my PayPal credit and send the remaining stuff back without having to wait ages for a refund into my bank. Reviewed on: 7th July 2026

PayPal is excellent.

PayPal is excellent. Easy and safe to purchase Reviewed on: 7th July 2026

First Choice to manage purchase

Great option, user friendly, app clear to read and use, ideal for managing bigger purchases with manageable payments. Reviewed on: 7th July 2026

Easy to use, reliable service and great value for mo...

Easy to use, reliable service and great value for money. Reviewed on: 7th July 2026

PayPal credit has worked well as my first credit card.

PayPal credit has worked well as my first credit card. Having three months to pay off large purchases is great and so is collecting points. Reviewed on: 7th July 2026

Excelent paypal and customer service

Excelent paypal and customer service Reviewed on: 7th July 2026

Very easy to set up.

Very easy to set up. No complications or form filling. Reviewed on: 7th July 2026

Excellent service I have used PayPal credit for over...

Excellent service I have used PayPal credit for over 5 years and has really added value to my life Reviewed on: 7th 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

Payments
from PayPal 4.70 from 3809 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 87110 reviews
Payments
from PayPal 4.70 from 3809 reviews
Credit card
from PayPal 4.69 from 115 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