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

PayPal PayPal Credit reviews (181154)

Happy customer....

Been using PayPal since 2005 and very confident in the product I use. I've had numerous blips along the way with customers, with PayPal rectified very quickly Reviewed on: 7th July 2026

Easy to use, interest rates seem high, app is very g...

Easy to use, interest rates seem high, app is very good and helps to keep track of spending habits and updates of when repayments are made Reviewed on: 7th July 2026

Excellent and safe service in any situation

Excellent and safe service in any situation Reviewed on: 7th July 2026

Protected .

. PayPal has been brilliant to use. It’s quick, secure, and makes buying and selling online really easy. I’ve always found the service reliable, and the buyer protection gives me extra peace of mind. I’d happily recommend PayPal to anyone. Reviewed on: 7th July 2026

Fantastic experience.

Fantastic experience. Gives me the flexibility of spreading my payments over four months which financially helps me without any interest. It would be better if there was more 12 months options instead as four months can feel a bit quick. Reviewed on: 7th July 2026

PayPal Credit - Convenient & Clear

I’ve used PayPal Credit for online purchases when I wanted a bit of flexibility without taking out a traditional loan. The application process was quick, and once approved I could use it at checkout easily. What I like most is the clear way the available credit shows up in my account and the straightforward experience of managing payments through PayPal. A potential drawback is that it’s important to be mindful of the repayment terms—if you don’t pay within the promotional period, costs can increase—so I’d recommend reviewing the details before committing. Overall, PayPal Credit has been convenient and user-friendly for me, as long as I stay on top of the payment schedule. Reviewed on: 7th July 2026

Have had PayPal for a number of years and have not h...

Have had PayPal for a number of years and have not had any problems.Easy to use and can manage my account easily with the app. Reviewed on: 7th July 2026

Have had no need to contact customer service - the a...

Have had no need to contact customer service - the app works brilliantly, and I try to use PayPal for all my purchases. Reviewed on: 7th July 2026

I've had a very good experience with PayPal Credit.

I've had a very good experience with PayPal Credit. The application process was straightforward, and it's been a convenient way to spread the cost of larger purchases. The platform is easy to use, payments are simple to manage, and everything has worked smoothly. Overall, it's been a reliable and flexible payment option that I'd happily recommend. Reviewed on: 7th July 2026

always helpful

Anytime I have by mistake late monthly payment..I get letter. I call PayPal they understand all. Now I have direct debit set....so alll is smooth 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
Loan
from Snap Finance 4.81 from 370 reviews
Retail finance
from Novuna Personal Finance 4.72 from 173 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