Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (148289 reviews)

View other PayPal products

4.73

Based on 148,267 reviews, last reviewed 3rd Jul 2026

4477150% increase in 5 star reviews

in the past 90 days

13200% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

Always helpful when i call, top security and purchas... Always helpful when i call, top security and purchase easily and confidently Reviewed on: 3rd July 2026

Latest lowest rating:

2

The interest rate is too high. The interest rate is too high. It will take forever to pay off the credit even if the minimum payment is almost 5% of the outstanding balance. Reviewed on: 3rd 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 (148289)

easy and interest free

Easy to use, I use it for all my large purchases and have A good amount of time interest free to pay them off Reviewed on: 8th June 2026

Paywell with PayPal

Brilliant way to pay, safe secure and easy to navigate, everything at your fingertips Reviewed on: 8th June 2026

Constantly improving !

I love that they constantly keep me updated with delivery of my parcels, new products and schemes. They make budgeting easy as I can split my payments on orders. Just brilliant, they seem to be constantly improving. Well done PayPal! Reviewed on: 8th June 2026

Safe way to buy stuff online.

Safe way to buy stuff online. Good credit options with pay in 3 or PayPal credit. Also, help with disputes. Reviewed on: 8th June 2026

feel safer using it

Easy to use, quick, just what I need, feel safer using it Reviewed on: 8th June 2026

Excellent PayPal credit , gives the ability to buy a...

Excellent PayPal credit , gives the ability to buy at the touch of a button Reviewed on: 8th June 2026

Its provides very friendly experience.

Its provides very friendly experience.Offering 0%EMI Reviewed on: 8th June 2026

I use PayPal for the majority of online purchases as...

I use PayPal for the majority of online purchases as l feel it offers security Reviewed on: 8th June 2026

Easy to use with lots of accessible payment options

Love the ease of being able to choose between Pay in 3, Palpal 0% credit or PayPal debit. easy to use app with everything in one place Reviewed on: 8th June 2026

Would recommend

The options they offer for payment are very useful. Everything is easy to navigate. Vendors like them too. Using them hasn’t affected my credit score. 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 V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Novuna Personal Finance 4.74 from 173 reviews
Retail Finance
from Omni Capital Retail Finance 3.99 from 4 reviews

Want to see more from PayPal?

Pay in 3
from PayPal 4.76 from 79374 reviews
Payments
from PayPal 4.71 from 3759 reviews
Credit card
from PayPal 4.70 from 101 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