Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (173977 reviews)

View other PayPal products

4.73

Based on 172,574 reviews, last reviewed 9th Jul 2026

1417% increase in 5 star reviews

in the past 90 days

1386% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

All good no problems. All good no problems. Easy to use interface. Reviewed on: 9th July 2026

Latest lowest rating:

1

I have had one very unpleasant experience with PayPa... I have had one very unpleasant experience with PayPal, they offered no support regardless of an exceptional circumstance and regardless of my excellen... Read more Reviewed on: 9th 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 (173981)

PayPal money

Been an amazing service really helped when money has been tight whilst buying my house to get new stuff thank you Reviewed on: 9th July 2026

Mark Rooke

I’ve used PayPal many times and have always had a good service the customer service is always great and very helpful Reviewed on: 9th July 2026

PayPal credit has helped me get by when I do not hav...

PayPal credit has helped me get by when I do not have money to pay for goods outright. It provides secure payment and repayment is simple and less stressful. Reviewed on: 9th July 2026

Really useful and easy to manage

I’ve had a very good experience with PayPal Credit overall. It has been really useful for spreading the cost of purchases and giving me extra flexibility when needed. The application process was straightforward, and it is very convenient because it links directly with PayPal when checking out. I also find it easy to keep track of payments, and it has worked well for me as long as I stay organised and make sure repayments are made on time. The interest-free options can be very helpful too. The only reason I would not give it a full 10/10 is that you do need to manage it carefully, as costs can increase if you miss payment dates or let the balance build up. But overall, I would definitely recommend PayPal Credit if used responsibly. Reviewed on: 9th July 2026

Easy to use and straightforward with very good options

Easy to use and straightforward with very good options Reviewed on: 9th July 2026

Easy to use and very quick at getting a response...

Easy to use and very quick at getting a response Reviewed on: 9th July 2026

PayPal credit is really helpful

PayPal credit is really helpful for unexpected purchases and it’s nice to know it’s there if I need it, super easy to use on the app and keep up with payments. It was really easy to set up and start using. Reviewed on: 9th July 2026

Convenient and logical and allows me to buy expensiv...

Convenient and logical and allows me to buy expensive items like appliances and window blinds on pay in 3. Used it when I moved into my new house in January and had to buy everything from fridges washing Machines and carpets. PayPal made what was a financial nightmare manageable. Reviewed on: 9th July 2026

Seemless.

Seemless. Excellent service when dealing with a dispute with retailers, they helped me retain a refund. Reviewed on: 9th July 2026

Amber@13

Pay pal is a great company for getting pay in 3 and all other arrangements and if something goes wrong they have always got the customers back Reviewed on: 9th 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 Zebra Finance 4.08 from 6 reviews
Retail Finance
from Novuna Personal Finance 4.73 from 173 reviews
Payments
from PayPal 4.71 from 3840 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 96223 reviews
Payments
from PayPal 4.70 from 3840 reviews
Credit card
from PayPal 4.70 from 121 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