Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181155 reviews)

View other PayPal products

4.73

Based on 181,155 reviews, last reviewed 5th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

73% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

been useing paypal for years and years been useing paypal for years and years Reviewed on: 5th October 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 (181155)

I use PayPal a lot for paying for goods on eBay and...

I use PayPal a lot for paying for goods on eBay and various online purchases I have a healthy PayPal credit limit and find it helps sometimes when you need something and don't have the cash until next payday. Reviewed on: 7th July 2026

I use Pay in 3 , no interest and easy to set up.

I use Pay in 3 , no interest and easy to set up. Helps me budget for larger purchases Reviewed on: 7th July 2026

Excellent customer service very understanding

Excellent customer service very understanding Reviewed on: 7th July 2026

Why PayPal

PayPal is a constant and efficient way of using credit and of paying bills. Always secure. Reviewed on: 7th July 2026

I’m a fan of PayPal credit.

I’m a fan of PayPal credit. I’ve used it for years now and it is super handy, and especially since it’s a real card too now. Reviewed on: 7th July 2026

fast, efficient, and easy to use

I've used PayPal for over 20 years now and it has always been fast, efficient and easy to use. PayPal credit was no different. It took me 5 minutes to apply for PayPal Credit and the checks were completed quickly and I had access to funds by the end of the day. Reviewed on: 7th July 2026

PayPal my go to finance provider

PayPal deals promptly with any issues and offers excellent service Reviewed on: 7th July 2026

Great customer service and buyer protection.

Great customer service and buyer protection. Fair rates and easy to apply and pay. App works well and shows everything you need. Reviewed on: 7th July 2026

Easy to use interest free payments

Easy to use interest free payments Reviewed on: 7th July 2026

Great service quick help wi...

fast processing, reasonable prices and quick help with customer service 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 4.71 from 3854 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Very Pay
from Shop Direct 3.66 from 29 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.75 from 101313 reviews
Payments
from PayPal 4.71 from 3854 reviews
Credit card
from PayPal 4.65 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