Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (147587 reviews)

View other PayPal products

4.73

Based on 147,512 reviews, last reviewed 2nd Jul 2026

4442350% increase in 5 star reviews

in the past 90 days

12900% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Highly recommended. Highly recommended. Very easy and convenient to use. All very straightforward. Reviewed on: 2nd July 2026

Latest lowest rating:

2

Not helpful I have been with PayPal for many years and there have been a few problems I have had with payments and scams and they have not been resolved correctly Reviewed on: 2nd 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 (147588)

Simply the Best

I Use paypal credit all the time. It is so easy and the 4 months to pay for over a £100 spend is great. Reviewed on: 8th June 2026

Paypal Credit is really useful and helpful.

Paypal Credit is really useful and helpful. Reviewed on: 8th June 2026

Good option for larger payments.

Good option for larger payments. Reviewed on: 8th June 2026

I appreciate that there isn’t any interest if you pa...

I appreciate that there isn’t any interest if you pay on time. Better than my bank! Reviewed on: 8th June 2026

Fast, Convenient, and Trustworthy

My experience with PayPal Credit has been positive overall. It provides a flexible way to spread the cost of larger purchases and is easy to manage through the PayPal app and website. Reviewed on: 8th June 2026

Easy to manage and access with attractive offers

The service is accessible and accepted by a multitude of purchasing/payment platforms. Often, I am able to take advantage of attractive offers that discount the purchase I am making. Reviewed on: 8th June 2026

Long time interest free credit.

Long time interest free credit. Very ea Reviewed on: 8th June 2026

Good , however debit card expired and had missed pay...

Good , however debit card expired and had missed payment on credit file , only one ever ! Lack of warning Reviewed on: 8th June 2026

PayPal credit is great

PayPal credit is great for those luxury purchases if you don’t want to wait til pay day. The pay in 3 interest free facility is excellent if you want to spread the cost without incurring any interest. PayPal all the way for me when shopping online or in person. Reviewed on: 8th June 2026

ease of use

Easy to choose payment methods and the app is simple to use 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

Retail Finance
from Zebra Finance 4.06 from 6 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 78915 reviews
Payments
from PayPal 4.71 from 3758 reviews
Credit card
from PayPal 4.70 from 100 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