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 helpful easy to use, fair on interes , pay in t...

Very helpful easy to use, fair on interes , pay in three is best ever Reviewed on: 7th July 2026

I used PayPal credit to buy a new phone.

I used PayPal credit to buy a new phone. I love the fact that the interest free period was four months so I was able to split the payments into four and not have to pay any interest. Reviewed on: 7th July 2026

a secure worry free purchase

Makes a secure worry free purchase Reviewed on: 7th July 2026

My experience has been nothing but perfect

My experience has been nothing but extraordinary, great app easy to use extremely useful as well Reviewed on: 7th July 2026

East to use and low rates

East to use and low rates making the process simple Reviewed on: 7th July 2026

Trust paypal

PayPal have helped me on more than one occasion to recover unpaid listings. I use them for most of my business and trust them to provide the service they offer with no delay. Reviewed on: 7th July 2026

Long time customer

Used for a long time, never had any issues, helped build my credit rating Reviewed on: 7th July 2026

Easy to use , able to spread cost.

Easy to use , able to spread cost. Available to use on lots of websites. Website easy to navigate Reviewed on: 7th July 2026

Really easy to use the app...

Really easy to use the app when managing money, you can see when different payments are due and what remains to be paid. Paypal credit has been really useful over the past few months. Reviewed on: 7th July 2026

Iv been with PayPal for years and never had any prob...

Iv been with PayPal for years and never had any problems with the service, its fast and efficient, easy to understand and no hassle, I would recommend this service to friends and family 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 Omni Capital Retail Finance 3.99 from 4 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 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