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)

Simple, helpful and reliable

I feel comfortable using PayPal credit and it helps me in those last minute or essential spending moments in between ‘payday’ Reviewed on: 7th July 2026

Good so far, no issues with them

Good so far, no issues with them Reviewed on: 7th July 2026

Simple and easy to use.

Overall PayPal credit is easy to use and communication is always clear Reviewed on: 7th July 2026

PayPal is easy way to shop around.

PayPal is easy way to shop around. I especially like pay I three function. It makes it easy to spread the cost without lengthy repayments. Reviewed on: 7th July 2026

PayPal is so easy - love it.

I love being able to use PayPal because it just requires your email. Love it for its ease of use. My only gripe is not being able to access one of my accounts because the phone number used at that time is disconnected and I have no other way to verify its me. It won't give me any other option do msking this easier for people would be a great help. Reviewed on: 7th July 2026

Great service never any problems using PayPal

Great service never any problems using PayPal Reviewed on: 7th July 2026

Available credit and payment options when needed.

Available credit and payment options when needed. Various retailers and businesses accept this form of payment. Interest rates are good and the tech generally works well. Reviewed on: 7th July 2026

Always easy never any issues.

Always easy never any issues. Making shopping easier. Reviewed on: 7th July 2026

Very handy for big purchases, decent interest rate.

Very handy for big purchases, decent interest rate. Easy to use app Reviewed on: 7th July 2026

Exelent service,al lots of extras

Exelent service,al lots of extras 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 Close Brothers 3.17 from 12 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