Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148318 reviews)

View other PayPal products

4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148318)

Straightforward and easy to use

PayPal is very straightforward to set up and use with very competitive rates. the offers are clear and explained well and I like the added bonus of having PayPal protection on any purchases that I make - overall it is an excellent product. Reviewed on: 9th June 2026

I've used PayPal pay in four a few times and it make...

I've used PayPal pay in four a few times and it makes things a lot easier to get things you want Reviewed on: 9th June 2026

It was ok, and would use them again

It was ok, and would use them again Reviewed on: 9th June 2026

Spreading the cost in an easy way

Great way to pay for things with instalments Reviewed on: 9th June 2026

Easy to obtain credit

Easy to obtain credit and pay in 3 options, live chat tends to be helpful Reviewed on: 9th June 2026

Easy to use and flexible payments.

Easy to use and flexible payments. Gives the option of security from your regular bank and easy to track. Reviewed on: 9th June 2026

Excellent service I would definitely recommend it to...

Excellent service I would definitely recommend it to anyone Reviewed on: 9th June 2026

It has been good, however there are times where I ha...

It has been good, however there are times where I have requested a return and refund of items and have been let done by PayPal. Reviewed on: 9th June 2026

Payment features

Never had a problem with them, and being able to pay over time, interest free is great Reviewed on: 9th June 2026

User friendly and reliable- The Ultimate

I find it is very user friendly and reliable. I feel it has got flexible payment plans which makes our lives easier to sustain in these financially difficult times. Reviewed on: 9th June 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

Better Off Calculator
from Policy in Practice 4.64 from 496 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 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 79394 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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