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)

Safe and secure payment method

PayPal makes it easy and secure to make payments, especially where my card is not accepted Reviewed on: 7th July 2026

All good, worth it, user friendly and safe and secur...

All good, worth it, user friendly and safe and secure for customers money Reviewed on: 7th July 2026

No interest for 4 months !!!!

Really impressed with the no interest for 4 months it means I can purchase big purchases without worrying about them costing more , whenever I’ve had to use customer service they’ve been quick and efficient Reviewed on: 7th July 2026

Quick and easy to pay purchases also very safe way...

Quick and easy to pay purchases also very safe way Reviewed on: 7th July 2026

Easy to use Can use on any purchase.

Easy to use Can use on any purchase. With different options to make payments Reviewed on: 7th July 2026

I always use Paypal when shopping online

I have used PayPal for years and I have always found then to be the safest way to pay online. They resolve problems quickly and efficiently making it stress free Reviewed on: 7th July 2026

Very easy to use and available almost everywhere.

Very easy to use and available almost everywhere. App is good with showing seperate credit area and ensuring balance is cleared before interest is easy. Emails when statements are available is also quite handy. Reviewed on: 7th July 2026

Very clear when it comes to finance visability, grea...

Very clear when it comes to finance visability, great service and support, easy to use and manage app Reviewed on: 7th July 2026

PayPal provides confidence and security on purchases

I love PayPal Credit, it gives me security, confidence in protection of my purchases. I like it has different options to credit, pay in 3 or pay later and helps me budget and manage money better. It also has buyer protection and it's really good at disputing issues knowing I have the support of PayPal. Reviewed on: 7th July 2026

Greta options and great service

Greta options and great service, I like the pay monthly options and the ease of use in the app very easy to navigate. 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 Omni Capital Retail Finance 3.99 from 4 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