Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (171832 reviews)

View other PayPal products

4.73

Based on 171,506 reviews, last reviewed 8th Jul 2026

1427% increase in 5 star reviews

in the past 90 days

1438% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is a easy and safest way to pay. PayPal is a easy and safest way to pay. Reviewed on: 8th July 2026

Latest lowest rating:

1

Was charged £12. Vague reason Was charged £12.00 and the explanation was vague. Have never used PayPal as much as I should and am very careful to not get charged anything. This is ... Read more Reviewed on: 8th 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 (171832)

Excellent service, i would recommend this service to...

Excellent service, i would recommend this service to everyone Reviewed on: 6th July 2026

Swift Pal,

Swift with refunds when products are Not what suppliers have stated, money back in your account right away. Reviewed on: 6th July 2026

Function payment service, works across many platform...

Function payment service, works across many platforms, app easy to navigate Reviewed on: 6th July 2026

No problems with usage

Can't complain really. Paypal is very straight forward and easy to use. Customer service is great as well. Reviewed on: 6th July 2026

Quick, easy and efficient

It's quick and very easy to use, I would recommend it to anyone who needs this kind of digital credit, especially for those who buy a lot of things on-line. It makes money more manageable. You can buy items as and when you need them and budget the repayments over a longer period of time, making the purchases easier to make. It also gives you greater flexibility when planning your monthly spending, as you do not have to pay the full amount all at once. I find it a convenient way to spread the cost of larger purchases without putting unnecessary pressure on my finances. The application process is straightforward, the repayments are easy to follow, and it helps me keep better control over my budget while still being able to purchase the things I need when I need them. Overall, it is a simple, practical, and reliable financial tool that I would happily recommend to others. Reviewed on: 6th July 2026

If you need a great and excellent digital service Pa...

If you need a great and excellent digital service PayPal is the answer Reviewed on: 6th July 2026

Very secure.

Very secure. Good credit facility. Reviewed on: 6th July 2026

Great way to spread cost.

PayPal Credit is an excellent way to afford items over £100 by spreading the cost over 4 months. I use it often. My last purchase was from Costco for a Karcher K5 WCM home and car pressure washer for £240 which I will repay £60 every month for. Excellent service giving me peace of mind. Reviewed on: 6th July 2026

I have had no problems with PayPal

I have had no problems with PayPal Reviewed on: 6th July 2026

Easy to use, available on many sites

Easy to use, available on many sites Reviewed on: 6th 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 Account
from Shop Direct 3.18 from 28 reviews
Loan
from Snap Finance 4.82 from 370 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 94677 reviews
Payments
from PayPal 4.70 from 3835 reviews
Credit card
from PayPal 4.70 from 119 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