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)

Easy and safe to use.

Easy and safe to use. I've been using for many years. Thanks for the best service. Reviewed on: 7th July 2026

Quality simple payment method.

Easy to apply and set up. Always my preferred way to pay as safe and very manageable. Reviewed on: 7th July 2026

Top draw service

Very good communications, excellent clear and transparent terms and conditions unlike others with their extra small print. Highly recommend Paypal too all and sundry. If your expecting sloppy service with no after care don’t come to Paypal! Reviewed on: 7th July 2026

safe and essy online payment

easy and peace of mind when paying online Reviewed on: 7th July 2026

Use PayPal credit for years and always been happy

Use PayPal credit for years and always been happy Reviewed on: 7th July 2026

Extremely easy to use and set up with PayPal, automa...

Extremely easy to use and set up with PayPal, automated direct debits were set up very simply. Least effort required to set up compared to many other credit companies. Would definitely recommend to others! Reviewed on: 7th July 2026

An easy to use app, quick and simple to use and alwa...

An easy to use app, quick and simple to use and always very reliable, I use it very often. Reviewed on: 7th July 2026

Reliable, Flexible and Easy to Use

I’ve had a really positive experience using PayPal. It’s a trusted and convenient way to pay, and whenever I’ve had any issues, they’ve been quick to respond and resolve things efficiently. Their customer support gives me confidence when shopping online. I also really like the finance options PayPal offers, especially the flexibility of Pay in 3 and interest-free options when available. It makes managing larger purchases much easier. The added rewards and offers are a great bonus too. Overall, PayPal is reliable, flexible, and very useful for everyday spending. Reviewed on: 7th July 2026

So easy and very safe to use it gives you peace of m...

So easy and very safe to use it gives you peace of mind Reviewed on: 7th July 2026

PayPal Credit has been a game changer

PayPal Credit has been a game changer in helping me manage my finances and offset those bigger purchases, getting 4 months at 0% gives you a bit more breathing room than other credit cards. This coupled with the introduction of the physical card has made it my go to card to use if I need to put anything on credit 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 4.72 from 3854 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 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