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)

Very easy to use, the process is intuitive which mea...

Very easy to use, the process is intuitive which means that it is usable for everyone. Always accessible and convenient. Reviewed on: 7th July 2026

PayPal credit is very easy to setup and using it is...

PayPal credit is very easy to setup and using it is a breeze. Reviewed on: 7th July 2026

Pay pal is great if you purchase a lot online and th...

Pay pal is great if you purchase a lot online and the 3 months option is a good idea also the interest free. A flexibility you don’t get with other cards. I like that you can have it virtual or a card Reviewed on: 7th July 2026

It's a great help

Ive never had a problem with paypal credit. It is useful when you are stuck and are unable to pay a large amount up front. Reviewed on: 7th July 2026

Very good experience and very easy

Very good experience and very easy Reviewed on: 7th July 2026

fantastic service easy to use very recommended

fantastic service easy to use very recommended Reviewed on: 7th July 2026

Excellent service quick and easy

Excellent service quick and easy Reviewed on: 7th July 2026

Great for short term interest free purchases

I used PayPal Credit to pay for an item by spreading the payments across 4 months interest free. This helped me manage my finances. I found the communication confusing though being in receipt of several emails telling me to complete the application despite having already done so. Also the first payment was much later than I expected and defaulted to the minimum; to be use of interest free you need to amend the schedule. I will need to make my last payment 50% of the overall cost to avoid interest. Reviewed on: 7th July 2026

Very easy to use and having 4 months to pay it back...

Very easy to use and having 4 months to pay it back interest free allows you to do more of the things you emjoy Reviewed on: 7th July 2026

paypal welldone

I have never had an issue with PayPal and all services work great with no issues 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 Novuna Personal Finance 4.72 from 173 reviews
Retail Finance
from Zebra Finance 4.08 from 6 reviews
Loan
from Snap Finance 4.81 from 370 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