Write a review

Newsletter

Go to business site

PayPal: PayPal Credit reviews

Name: PayPal Credit
Rating: 4.73 (176767 reviews)

View other PayPal products

4.73

Based on 176,386 reviews, last reviewed 11th Jul 2026

1277% increase in 5 star reviews

in the past 90 days

1144% increase in 1 star reviews

in the past 90 days

92%

Latest highest rating:

5

It's the best way for online payments It's the best way for online payments Reviewed on: 11th July 2026

Latest lowest rating:

1

I paid through paypal for an item that turned out to... I paid through paypal for an item that turned out to be a scam. I provided proof and they still sided with the scammer with no option for me to take i... Read more Reviewed on: 11th 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 (176792)

Never any problem, always straight forward

Never any problem, always straight forward Reviewed on: 6th July 2026

Quality per excellent

Very friendly to use and widely accepted Reviewed on: 6th July 2026

Spreading the cost of spending with PayPal credit

PayPal credit provided me with an easy way to spread payments for a large unexpected purchase. It was straightforward to apply for, and provided convenient access to the balance so I could check on payments, alongside my normal PayPal usage. I would definitely recommend using this when faced with unplanned spends, and make the most of any interest free period to avoid charges. Reviewed on: 6th July 2026

An overall excellent experience.

I started with a very basic account, moving onto PayPal credit to enable me to make larger purchases, spreading the cost. Keeping my account in good status, rewarded me with a credit increase and a physical card. The rates are great, often better than other credit cards. PayPal is now my go to credit card, that gives me peace of mind and a backup source of funds should I ever need in emergency situations. Reviewed on: 6th July 2026

Easy to use, good customer service

Easy to use, good customer service Reviewed on: 6th July 2026

A great way to pay

A very handy and reliable tool to use when making purchases and payments,the app is easy to use and keeps you updated. Reviewed on: 6th July 2026

I've always had good experience

I've always had good experience with PayPal it always comes in handy and feels safe using it , easy to use and easy to transfer from my PayPal account to my bank account Reviewed on: 6th July 2026

PayPal credit is helpful to buy large items

PayPal credit is a great way to buy large items and pay over 4 months interest free Reviewed on: 6th July 2026

I’ve always had a great experience with PayPal wethe...

I’ve always had a great experience with PayPal wether customer service or the ease of using the service feeling safe with my money Reviewed on: 6th July 2026

A positive experience

I've always had a positive experience with this credit card. Whenever I've had a question or needed help, the response has been quick and helpful. I also really like being able to make payments before the due date, which I do most months. Not every credit card provider offers this, and it makes managing my finances much easier. Overall, it's been a great experience. Reviewed on: 6th 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 Novuna Personal Finance 4.73 from 173 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 98175 reviews
Payments
from PayPal 4.71 from 3846 reviews
Credit card
from PayPal 4.70 from 121 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