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)

Only had 1 reason to contact customer service about...

Only had 1 reason to contact customer service about a purchase and believe it or not I lost even with photographic evidence. Im just more careful what I buy, the overall view on paypal is good though Reviewed on: 7th July 2026

I used PayPal to purchase a watch using interest fre...

I used PayPal to purchase a watch using interest free payments and it all worked out perfectly Reviewed on: 7th July 2026

It’s great!

It’s such a simple and easy process and helps to manage spreading the cost of purchases to help with cash flow. They keep you updated as to when each payment is due so you can ensure funds are in place. It’s better than taking out long purchase agreements or paying interest on a credit card. Reviewed on: 7th July 2026

Paypal Flexability.

Paypal is quick, very flexible ie splitting bills, 3 monthly payments etc. Reviewed on: 7th July 2026

Always quick and easy to use.

Always quick and easy to use. Safe and secure way to pay. Reviewed on: 7th July 2026

No better than PayPal!

I've used PayPal for many years now. There is no better service for spending online and feeling safe while doing so. Whenever I've had issues, they are resolved quickly and effectively. I feel secure every time I used the service. Reviewed on: 7th July 2026

100% secure

I always use PayPal, it is secure and gives you a guarantee against faulty items and scammees Reviewed on: 7th July 2026

Easy to use and simple to pay back

Easy to use and simple to pay back Reviewed on: 7th July 2026

Always easy to use.

Always easy to use. Quick get a decision very quickly makes it easy to manage money Reviewed on: 7th July 2026

Excellent service.

A very easy to use service., the app is well laid out and clear. They are helpful about claiming refunds where goods haven’t been provided. 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

Very Pay
from Shop Direct 3.66 from 29 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101312 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