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)

Its alright, often use it when shopping online

Its alright, often use it when shopping online Reviewed on: 7th July 2026

A very easy smooth way of paying for product

A very easy smooth way of paying for product Reviewed on: 7th July 2026

I’ve been using PayPal for years and it is seamless...

I’ve been using PayPal for years and it is seamless with every provider I have bought stuff through and to send and recieve money between friends is always so smooth Reviewed on: 7th July 2026

Convenient for spreading the c.ost

Paypal credit allows me to conveniently spread the cost of an item over a period that suits me, and I have the option to pay no interest fees on certain payment terms. Reviewed on: 7th July 2026

Great for giving you extra time to pay.

Great for paying for stuff any option open from immediately to 4 months interest free. The only thing I don’t like is depending on the time of day you pay it doesn’t show as pending so your not sure if you have paid it or not. Reviewed on: 7th July 2026

Simple, reliable and easy to manage

I’ve used PayPal Credit for last few years now and found it very straightforward. Applying was quick with a clear decision, and linking it to my PayPal account makes checking balances and making payments effortless. The interest-free periods are useful for larger purchases, and I appreciate the clear breakdown of fees and repayment terms. Customer support has also been helpful when I had questions. Great flexible credit option. Reviewed on: 7th July 2026

Very easy application and easy to use.

Very easy application and easy to use. Found the process no stress at all Reviewed on: 7th July 2026

Easy to deal with.

Easy to deal with. Solid product. Everything at your fingertips in an easy to use app Reviewed on: 7th July 2026

Great product and easy to use.

Great product and easy to use. Excellent Reviewed on: 7th July 2026

PayPal has been fantastic to use.

PayPal has been fantastic to use. It's fast, secure and incredibly convenient for both online purchases and sending money. My favourite feature is Pay in 3, which lets me split purchases into three interest-free payments, making it much easier to manage my budget without any hassle. The checkout process is smooth, transactions are reliable and I always feel confident knowing my payments are protected. I highly recommend PayPal to anyone looking for a safe and flexible way to pay 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

Very Pay
from Shop Direct 3.48 from 29 reviews
Retail Finance
from V12 Retail Finance 4.44 from 25 reviews
Retail Finance
from Zebra Finance 4.08 from 6 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