Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (172060 reviews)

View other PayPal products

4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (172135)

I find PayPal convenient and most importantly trustw...

I find PayPal convenient and most importantly trustworthy. The app is straight forward and easily used. The communication is not too much. I am very happy with my PayPal account Reviewed on: 8th July 2026

Good amount of credit available to me.

Good amount available to me. Easy to use and great communication. Reviewed on: 8th July 2026

Never had any problems, easy to deal with

Never had any problems, easy to deal with and all information is available in the app Reviewed on: 8th July 2026

I like the fact you are supplied with options for pa...

I like the fact you are supplied with options for paying it back, the interface is easy to navigate and shows funds clearly. Reviewed on: 8th July 2026

PayPal always reminds when a payment is due which I...

PayPal always reminds when a payment is due which I love. Reviewed on: 8th July 2026

Exceptional customer service!

Exceptional customer service, Every time I contact PayPal my questions are always answered. It’s great having extra credit for rainy days Reviewed on: 8th July 2026

Ease of use and credit options ...

Easy to use and good pay later and pay in three options Reviewed on: 8th July 2026

Customer service is helpful and friendly always find...

Customer service is helpful and friendly always finding good solutions. Easy to pay, easy to use PayPal credit with good pay back rates. Reviewed on: 8th July 2026

Great, easy to access credit account that I can go b...

Great, easy to access credit account that I can go back to over and over. Almost always offering an interest free period after every purchase, something that does not exist with a traditional high street bank credit card Reviewed on: 8th July 2026

The Safest, Simplest Way to Spread the Cost

I have been using PayPal Credit for some time now, and it has completely changed how I manage larger purchases. It offers the perfect balance of financial flexibility and the familiar, trusted security that made me choose PayPal in the first place. What I appreciate most is how seamlessly it integrates into the existing checkout process. There is no need to jump through hoops or fill out endless forms every time you want to buy something; if a retailer accepts PayPal, your credit line is right there, ready to use in a couple of clicks. The interest-free offers on purchases over a certain amount are brilliant, allowing me to spread the cost of bigger items without any unnecessary stress. Managing repayments through the app is incredibly straightforward, clear, and hassle-free. Beyond the convenience, the security is a massive factor for me. Making a significant purchase online can sometimes feel like a risk, but using PayPal Credit gives me total peace of mind. Knowing that my main financial details are kept entirely private from merchants, combined with their strong purchase protection, makes it feel like the safest way to buy. It is a reliable, secure, and highly flexible modern credit solution that I thoroughly recommend. Reviewed on: 8th 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
Very Account
from Shop Direct 3.18 from 28 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 94937 reviews
Payments
from PayPal 4.70 from 3835 reviews
Credit card
from PayPal 4.70 from 119 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