Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (175919 reviews)

View other PayPal products

4.73

Based on 175,893 reviews, last reviewed 10th Jul 2026

1298% increase in 5 star reviews

in the past 90 days

1240% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

PayPal is good and reliable and they act as professi... PayPal is good and reliable and they act as professionals they also serve customers in excellence and always standby to help in-terms of difficulty an... Read more Reviewed on: 10th July 2026

Latest lowest rating:

1

Shockingly bad..but they get away with it I have had reason to complain to the Financial Ombudsman regarding this company. Their attitude is we won't follow instructions and when things go wro... Read more Reviewed on: 10th July 2026

Read all reviews See your 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.

PayPal PayPal Credit reviews (175926)

Review of the PayPal, PayPal Credit:

Good experience only customer service in chat but ha...

Good experience only customer service in chat but hard sometimes Reviewed on: 12th June 2024

One of the best buy now pay later options in the mar...

One of the best buy now pay later options in the market, with great free interest promotions, recommended! Reviewed on: 9th July 2026

Easy to use, love the choice for different payment o...

Easy to use, love the choice for different payment options as well as the fairness in paying off things with higher interest 1st to benefit the customer Reviewed on: 9th July 2026

PayPal has been a lifeline for me at times.

PayPal has been a lifeline for me at times. It has really helped when I have needed to buy expensive household items such as a cooker or fridge, as these can be difficult to pay for in one large payment. With PayPal, I have been able to spread the cost and pay in more manageable chunks. I also find it very easy to get help when needed, especially through the online customer service chat, which has always been helpful. When buying larger items from stores such as Currys, IKEA and many others, PayPal gives you the option to have extra time to pay the full amount. PayPal is a great option for families who need to spread out payments. Thank you, PayPal, for helping me when I needed it and for your understanding. Reviewed on: 9th July 2026

Easy to use great option for planned purchases.

PayPal is a fantastic way to spread the cost with interest free offers on purchases. Quick and easy to use during checkout. Reviewed on: 9th July 2026

Excellent and very professional.

Excellent and very professional. easy option on how to buy or use there product Reviewed on: 9th July 2026

I find pay pal extremely easy to use it is a good se...

I find pay pal extremely easy to use it is a good service I tend to use it to book train tickets with. I have never had any issues using PayPal Reviewed on: 9th July 2026

Best customer service

There her for your help in my experience. Reviewed on: 9th July 2026

Never had any problems.

Never had any problems. Would recommend to anyone for peace of mind when online shopping or needing crédit Reviewed on: 9th July 2026

I’ve been using PayPal for a while now and I love th...

I’ve been using PayPal for a while now and I love that the APR is low! You can also see what your spending in the app. Reviewed on: 9th July 2026

Alwasy easy transactions.

Alwasy easy transactions. No issues arrise. When the rarely do alwasy been sorted. Reviewed on: 9th 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 Close Brothers 3.17 from 12 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 97569 reviews
Payments
from PayPal 4.71 from 3845 reviews
Credit card
from PayPal 4.70 from 121 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