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)

Easy to use

Just so easy to log in and chose what service you want for each purchase Reviewed on: 7th July 2026

I enjoy the convinience of using paypal.

I enjoy the convinience of using paypal. Reviewed on: 7th July 2026

I use paypal for most of my purchases for security.

I use paypal for most of my purchases for security. Have encouraged older and younger in my family to use Reviewed on: 7th July 2026

PayPal Credit is just so useful!

PayPal Credit is just so useful!!!! I can buy numerous amounts of clothing online plus different sizes without actually paying for them with my debit card. I can try them on at home and return what I don't want. When my items are refunded it pays off my balance on my PayPal credit card. I then pay off my balance within the period I need to. It's an easy way to purchase anything within a small period of time. It's brilliant!!!!! Reviewed on: 7th July 2026

Look after their customers

When I've had problems they've always sorted them swiftly. I love the pay in 3 option and 4 months interest free credit card option.. Reviewed on: 7th July 2026

Paypal is a reliable service with good customer serv...

Paypal is a reliable service with good customer service. PayPal credit is particularly helpful for paying for goods and have them protected. I bought an intensive driving course for my daughter and the company went bust but paypal was able to refund my money relatively quickly. Reviewed on: 7th July 2026

Trustworthy

Secure payments and clear communication Reviewed on: 7th July 2026

A great service

Great and easy way to pay. Making payments is simple, communication is good. Adding card to Apple Pay has been a game changer. Reviewed on: 7th July 2026

Easy to do especially for older people like myself.

Easy to do especially for older people like myself....if you do get stuck the staff at paypal are always ready to help....stress free every tome Reviewed on: 7th July 2026

PAYPAL 'The way to go'

Have used PayPal for a number of years Customer service always helpfully and app is easy to use, Has a lot of advantages would recommend 100% 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 Omni Capital Retail Finance 3.99 from 4 reviews
Very Pay
from Shop Direct 3.66 from 29 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 101311 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