Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181154 reviews)

View other PayPal products

4.73

Based on 181,154 reviews, last reviewed 29th Sep 2026

65% decrease in 5 star reviews

in the past 90 days

53% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Best Customer service Best Customer service, and great value. Reviewed on: 29th September 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 (181154)

Easy and helpful.

Easy and helpful. The credit helps with online purchases Reviewed on: 7th July 2026

24/7 support.

24/7 support. Easily contactable and used by many companies for payment gives you the options of spreading your costs or 0% . Reviewed on: 7th July 2026

PayPal has been fantastic 0% for 4 months is very us...

PayPal has been fantastic 0% for 4 months is very useful Reviewed on: 7th July 2026

PayPal safe and reliable

Just reliable safe source of credit Reviewed on: 7th July 2026

Always had a trouble free experience.

Always had a trouble free experience. Reviewed on: 7th July 2026

I have had PayPal for years and have nothing to comp...

I have had PayPal for years and have nothing to complain about it has a fantastic experience using paypal Reviewed on: 7th July 2026

Great service, the CC introduction is a Game Changer

The service is clear and easy to understand, an interest free way to pay for larger purchases which can be spread across 4 months, this really helps balance costs minimises sacrifices. The introduction of a physical card is a game changer, previously the limitation to only pay where online PayPal was accepted, now I can pay in person or where Mastercard is accepted, I’m a big advocate. Reviewed on: 7th July 2026

Wide range of payment products

Wide range of payment products and options making PayPal very flexible- I would certainly recommend. I have used interest free, pay in three and as a payment broker for my other bank accounts. It means PayPal is my ‘go to’ payment platform Reviewed on: 7th July 2026

i’ve never dealt with a company that looks after the...

i’ve never dealt with a company that looks after their customers so well they have never let me down with any issues that i’ve had Reviewed on: 7th July 2026

PayPal is the best way to pay.

PayPal is the best way to pay. I use it all the time 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

Retail Finance
from V12 Retail Finance 4.44 from 25 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