Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (181153 reviews)

View other PayPal products

4.73

Based on 181,153 reviews, last reviewed 21st Sep 2026

62% decrease in 5 star reviews

in the past 90 days

49% decrease in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Really good and flexible account Really good and flexible account, easy to manage and view. I like that I can easily manage my transactions and use pay in 3 option that gives me more ... Read more Reviewed on: 21st 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 (181153)

Smooth, Secure - Sorted!

Fast, secure, and ridiculously easy to use. Payments land instantly, the app is clean, and buyer protection actually does what it promises. Linking cards, getting refunds, and tracking transactions feels effortless — a solid, trustworthy platform that makes online payments simple! Reviewed on: 7th July 2026

Credit card added to apply pay very good

Credit card added to apply pay very good Reviewed on: 7th July 2026

Allows me to make credit work as a tool.

Allows me to make credit work as a tool. Rather than just a debt. Managing money assets and credit. Reviewed on: 7th July 2026

Great short term credit

Paypals 0% interest over 4 months for anything over £100 is a great way to spread small spends. Reviewed on: 7th July 2026

Very easy to use.

Very easy to use. The app has great interface. I have used PayPal for many years and never had any issues. Offers many protections and fair rates. Easy to pay off extra when required. Reviewed on: 7th July 2026

My experience is very good and helpfull for me I per...

My experience is very good and helpfull for me I perched lots my things for my self and my home Reviewed on: 7th July 2026

Pay pal credit has been a life changer.

Pay pal credit has been a life changer for me. When I was going through a challenging time financially Pay Pal Credit was there to share the heavy load allowing me to buy very much needed items on credit and pay in back at affordable amounts spread over a period and not only that...but when I was able to pay the balance off over a short period it was interest free. I am so grateful for the help and support Pay Pal credit provided me with and continues to provide me... Reviewed on: 7th July 2026

A* Paypal

Always help with money that should of not been taken feel protected. Excellent to buy things knowing I have PayPal credit and pay in 3 Reviewed on: 7th July 2026

Trust in PayPal

PayPal is the best, best service Reviewed on: 7th July 2026

Experience

Using Paypal, you get time to pay back the money you spend. It also helps spread the cost over product being paid for 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
Retail Finance
from Close Brothers 3.17 from 12 reviews
Payments
from PayPal 4.72 from 3854 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 101307 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