Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (146773 reviews)

View other PayPal products

4.73

Based on 146,526 reviews, last reviewed 30th Jun 2026

4397750% increase in 5 star reviews

in the past 90 days

12700% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Reliable and secure Easy to use, safer and accepted at many different retailers. Reviewed on: 30th June 2026

Latest lowest rating:

1

PayPal credit Very easy to apply for and use good to spread the cost of items Reviewed on: 30th June 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 (146773)

Paypal Credit is my preferred option for what I need...

Paypal Credit is my preferred option for what I need and when I need it. Because is safe, I trust it and because everything you need to know is clearly. Reviewed on: 8th June 2026

I like they're service and i trust pay pal

I like they're service and i trust pay pal Reviewed on: 8th June 2026

Two thumbs up for PayPal Credit

I have used PayPal Credit on several occasions now. It's a simple and very helpful way to spread out high cost over 4 months with 0% interest if paid off within that period. Communication is always excellent with emails sent to remind and I have had nothing but positive experiences using it. Reviewed on: 8th June 2026

I’ve had a great experience using PayPal Credit.

I’ve had a great experience using PayPal Credit. The application process was straightforward, and the ability to spread the cost of larger purchases has been really helpful. Payments are easy to manage through the PayPal app, and I appreciate the flexibility it offers Reviewed on: 8th June 2026

PayPal Credit equals peace of mind

I’ve been using PayPal Credit for a while and find it both safe and convenient. It gives me the flexibility to spread the cost of purchases, making the occasional treat more affordable. I also appreciate the peace of mind it provides, knowing I have access to credit if an unexpected cash emergency arises. The application and payment process is straightforward, and being linked to PayPal makes it easy to manage. Reviewed on: 8th June 2026

Never had a bad experience always been responsive to...

Never had a bad experience always been responsive to any issues I’d had. PayPal introducing the PayPal credit card was perfect for me Reviewed on: 8th June 2026

Stress free borrowing

Easy to apply for and widely accepted. Reviewed on: 8th June 2026

Pay in 3 0%

The pay in 3 0% interest promotion when you spend over £100 is brilliant. The app is easy to use and payments easy to make. The fact that you can now take advantage of that promotion with the physical PayPal credit card is even better. Reviewed on: 8th June 2026

Used paypal for years and never had any issues at all.

Used paypal for years and never had any issues at all. Have already recommended to several people who also signed up. Feels safer than other methods in my personal experience. Reviewed on: 8th June 2026

Easy and reliable

Easy and reliable. Have used it for years and always gets the job done in seconds. Reviewed on: 8th 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
Very Account
from Shop Direct 3.38 from 27 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 78308 reviews
Payments
from PayPal 4.71 from 3757 reviews
Credit card
from PayPal 4.69 from 98 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