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 simple and safe to use.

Easy simple and safe to use. With options to pay over 4 month interest free and accepted in many outlets online. Regular reminders of when payments are due , so that I can avoid high interest charges. Reviewed on: 7th July 2026

Unfortunately I don't always see reminders for payme...

Unfortunately I don't always see reminders for payments and get charged before I get time to pay if I miss it. Reviewed on: 7th July 2026

A very good credit service

A very good credit service; very fast, and reliable, very good customer service, and not just for credit provider but for all financial services Reviewed on: 7th July 2026

I feel confident shopping online thanks to PayPal.

I feel confident shopping online thanks to PayPal. I also like the facility of being able to pay in three if required. Reviewed on: 7th July 2026

Quick and easy also very secure i feel safe buying o...

Quick and easy also very secure i feel safe buying online with PayPal Reviewed on: 7th July 2026

PayPal has been great for me over the years.

PayPal has been great for me over the years. I’ve found it to be reliable, secure, and easy to use for both sending and receiving payments. I’ve never had any major issues, and it’s given me confidence when shopping online. Overall, it’s been a service I can depend on. Reviewed on: 7th July 2026

Easy to use, straightforward and secure

Easy to use, straightforward and secure Reviewed on: 7th July 2026

Great uncomplicated & safe service

I’ve been with PayPal for many years. I’m well into my 70s and want things to be straight forward without unnecessary complications. . PayPal fits that bill. It’s s easy to understand & feels very safe. I’m extremely happy with the service & will continue to use it. Reviewed on: 7th July 2026

The flexibility is incredible with great choice on o...

The flexibility is incredible with great choice on options of how to pay, from long term to pay in 3. And its a good barrier between client and customer, well i feel protected and safe. Reviewed on: 7th July 2026

5 stars amazing

Paypal is such a life saver when you dont have money to hand. Its helped me in so many ways great service 5 stars all round 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from Close Brothers 3.17 from 12 reviews
Retail Finance
from Zebra Finance 4.08 from 6 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