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)

I have used pay pal credit for a few years now & fee...

I have used pay pal credit for a few years now & feel the service they provide is excellent. Reviewed on: 7th July 2026

Great if you stick to 1 type of credit plans.

I like PayPal credit due to the ability to spread the payment in to 4 interest free payments. With the credit card this is automatic and easy to use. What I do not like though is if you mix terms. Example pay in 4 and a 36 month agreement. You cannot allocate payments resulting in stress and issues when trying to clear the pay in 4 to avoid that interest. So my advice is not to mix credit plans. Customer service is good however can take a little time to resolve if they have to get support from 2nd or 3rd line. Reviewed on: 7th July 2026

Easy to use and another great way to manage payments.

Easy to use and another great way to manage payments Reviewed on: 7th July 2026

Easy, efficient and safe, wouldn’t use any other met...

Easy, efficient and safe, wouldn’t use any other method. Reviewed on: 7th July 2026

Easy to use, wildly available on site when checking...

Easy to use, wildly available on site when checking out. Reviewed on: 7th July 2026

Never an issue

In all my years of using PayPal, I've NEVER had an issue. It's always been reliable, and offered me fantastic security and service. Reviewed on: 7th July 2026

Easy and convenient

Good 3 month no interest on large purchases. Easy to use Reviewed on: 7th July 2026

Easy safe way to pay.

Easy safe way to pay..if items returned, quick to refund. If a dispute is needed to be raise easy to do a helpful if needed Reviewed on: 7th July 2026

The best and my favorit

An excelent service and very safe ! Reviewed on: 7th July 2026

I've always had a positive experience using PayPal.

I've always had a positive experience using PayPal. It's quick, secure, and easy to use, whether I'm shopping online or sending money to friends and family. Transactions are smooth, and I appreciate the extra layer of buyer protection, which gives me peace of mind. 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 Zebra Finance 4.08 from 6 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